Jane Dotson
Freedom Life Insurance Company of America is a subsidiary of USHEALTH Group and offers a 10-year term life policy that can be renewed until the age of 70. The policy starts at $10 a month and goes up to $50 a month in $5 increments. The company has a good financial rating but falls short when it comes to customer service. Freedom Life Insurance is not available in all 50 states of the US. To check eligibility, one can visit the official website and look for the login section to access their account.
What You'll Learn
Customer eligibility and Freedom Life Insurance's services
Freedom Life Insurance Company of America is a subsidiary of USHEALTH Group. It offers a 10-year term life policy that can be renewed until the policyholder turns 70. The policy starts at $10 a month and goes up to $50 a month in $5 increments. The policy is not available in all 50 states. You are not eligible for coverage if you live in Connecticut, Hawaii, Massachusetts, New Hampshire, New York, Rhode Island, Vermont, or Puerto Rico.
To check your eligibility for Freedom Life Insurance, you can visit the official website and look for the login section, usually located at the top right corner of the homepage. If you're a new user, you'll need to create an account by providing your policy number, personal details, and setting a password. Once logged in, you can manage your policy details, make premium payments, and access policy documents.
Healthcare providers can use the provider portal to verify patient eligibility, submit claims, and check claim statuses. Providers need to register on the portal by providing their practice information and credentials. After registration, providers can log in to access the necessary tools and resources for managing patient interactions and insurance claims.
Freedom Life Insurance also provides health insurance plans through its association with USHealth Group. These plans often include basic medical coverage, catering to different needs and budgets. The company emphasizes straightforward policy options and ease of access through online portals and customer service support.
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Freedom Life Insurance's financial stability
Freedom Life Insurance is a life insurance unit of USHealth Group, which is based in Fort Worth, Texas. It is one of the oldest insurance companies in the business, established in 1956. The company offers a single option in life insurance: a 10-year term life policy, which can be renewed every 10 years. The premium payments for this policy range from $10 to $50, with an incremental increase of around $5.
Freedom Life Insurance has been deemed financially stable by A.M. Best. However, it has received a low customer satisfaction rating and a high number of complaints, with the National Association of Insurance Commissioners (NAIC) recording an abnormally high number of complaints in the past year. The Better Business Bureau has given the company a rating of F. Multiple customers have reported rapidly increasing premiums and issues with consultants being rude and impatient.
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Customer reviews and complaints
Freedom Life Insurance Company of America has received mixed reviews from its customers. While some appreciate the simplicity and affordability of its policies, others have complained about poor customer service, unclear coverage terms, and rapid increases in premiums.
The company has a low customer satisfaction rating, with the Better Business Bureau (BBB) giving it a rating of F. The National Association of Insurance Commissioners (NAIC) has recorded that the number of complaints in the past year was far above the acceptable rate.
Multiple customers have reported rude and impatient consultants, and some reviews suggest avoidance and negligence in paying claims. There are also complaints about the lack of riders available with the company's term life insurance plan, which makes it difficult to customize the policy to meet individual needs.
On the other hand, Freedom Life Insurance has been praised for its financial stability, with A.M. Best giving it a rating of A--, indicating that the company will likely be able to pay out claims even during an economic downturn. The company's simple policy choices, coverage availability until age 70, and easy cancellation policy are also considered pros by some customers.
Overall, Freedom Life Insurance seems to fall into the "just okay" category for most customers, with a mix of positive and negative experiences reflected in the reviews.
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Freedom Life Insurance's parent company
Freedom Life Insurance Company of America is a subsidiary of USHealth Group and USHealth Advisors. The company was originally founded as the Consolidated American Life Insurance Company in 1956 and changed its name to Freedom Life Insurance in 1986. Headquartered in Fort Worth, Texas, Freedom Life Insurance provides accident, credit, annuity, and health-related life insurance products.
USHealth Group is a family of companies that offers a full portfolio of plans, allowing customers to tailor health coverage to their specific needs. With over 50 years of collective insurance experience, the group provides a broad choice of flexible solutions and secure insurance plans.
USHealth Group serves over a million members across 33 states and has received numerous awards and accolades, including being named Insurance Company of the Year multiple times. The group is committed to providing innovative health coverage that is tailored to the individual, recognising that every customer is unique.
In addition to Freedom Life Insurance, USHealth Group also includes National Foundation Life Insurance Company and Enterprise Life Insurance Company as part of its underwriting insurance companies.
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Freedom Life Insurance's availability
Freedom Life Insurance Company of America is a subsidiary of USHEALTH Group and offers a 10-year term life policy that can be renewed until the age of 70. The policy starts at $10 a month and goes up to $50 a month in $5 increments. However, Freedom Life Insurance is not available in all 50 states. You are not eligible for coverage if you live in Connecticut, Hawaii, Massachusetts, New Hampshire, New York, Rhode Island, Vermont, or Puerto Rico.
Freedom Life Insurance is underwritten by the Freedom Life Insurance Company of America, the National Foundation Life Insurance Company, and the Enterprise Life Insurance Company. These companies are insurance subsidiaries of USHEALTH Group, Inc., which is a UnitedHealthcare company.
USHEALTH Group offers health plans through its insurance subsidiaries, which access the ChoicePlus network. These subsidiaries are moving towards an electronic payments platform and will no longer send paper checks for claim payments for services provided to USHEALTH plan members.
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Frequently asked questions
Freedom Life Insurance is a life insurance unit of USHealth Group. It offers a 10-year term-life policy that can be renewed until the age of 70. It pays the coverage amount to the beneficiary in the event of the policyholder’s death during the term.
Yes, Freedom Life Insurance is a legitimate subsidiary of USHealth Group Inc. and has been in the business since 1956.
To check your eligibility, you can visit the official website of Freedom Life Insurance Co. of America and look for the login section. Here, you can access your account or create a new one if you're a new user. Once logged in, you can manage your policy details, make premium payments, and access policy documents.
