Life Shield: Understanding Insurance Protection

LifeShield is the brand name for insurance products and services offered by LifeShield National Insurance Co. The company offers life and health insurance products to individuals and businesses, including Medicare Supplement Insurance and Accident & Health Insurance. LifeShield has received mixed reviews, with some customers praising their affordable rates and easy application process, while others have complained about issues with coverage, billing, and cancellation. LifeShield also appears to be associated with MetLife, offering accident insurance solutions, and with SBI Life Insurance, offering term insurance plans in India.

LifeShield National Insurance Co

While LifeShield National Insurance Co. offers a range of insurance products, there have been some complaints and negative reviews from customers regarding their services. Some customers have reported issues with unexpected withdrawals from their bank accounts, difficulties cancelling policies, and dissatisfaction with the level of coverage provided. There are also complaints about the company's response to these issues, with some customers feeling that their concerns were not adequately addressed.

On the other hand, LifeShield has also received positive feedback from customers who appreciate their affordable rates, easy application process, and helpful customer service. It is important to note that individual experiences with insurance companies can vary, and it is always advisable to conduct thorough research and carefully review the terms and conditions before purchasing any insurance product.

In summary, LifeShield National Insurance Co. offers a range of insurance options to individuals and businesses, but there have been mixed reviews from customers regarding their services. It is essential to carefully consider your needs and understand the terms and conditions of any insurance policy before making a decision.

LifeShield insurance products

LifeShield is the brand name for insurance products and services underwritten or provided by subsidiaries and affiliate companies of LifeShield National Insurance Co. The company offers life and health insurance products to individuals, small and mid-sized businesses, school districts, and associations across the United States.

LifeShield's Accident & Health Insurance Plan, "Life Shield", offers a range of protection packages that can be tailored to meet the specific needs of its customers. The plan includes various benefits such as:

• Natural Death (ND): Provides basic income protection for families in the event of death.
• Accidental Death, Dismemberment and Permanent Total Disability (AD, D & PTD): Offers a lump sum payment to protect families against financial strain caused by serious disabilities or accidental deaths.
• Accidental Medical Reimbursement (AMR): Covers medical bills for accidents, even minor injuries treated at a clinic.
• Accident & Sickness In-Hospital Income up to 52 Weeks (IH – A & S): Provides additional finances to cover expenses during a hospital stay, such as childcare, travel, or help at home.
• Accident Weekly Income (AWI): Replaces a portion of lost income with cash compensation for temporary disabilities that prevent individuals from working.

In addition to these benefits, LifeShield also offers life insurance options, including term and whole life insurance, to protect individuals and their loved ones.

LifeShield insurance complaints

LifeShield National Insurance Co. has received a number of complaints from customers, with 6 total complaints closed in the last 3 years and 3 complaints closed in the last 12 months. The majority of these complaints relate to issues with the company's health insurance policies, with customers reporting unexpected charges, difficulties cancelling policies, and denied claims.

One common issue reported by customers is unexpected charges and fees. For example, one customer reported being charged $53.55 per month instead of the advertised premium of $15.83 per month. Another customer reported that LifeShield withdrew $83 from their checking account without their authorization, resulting in overdraft fees.

Customers have also reported difficulties cancelling their policies, with LifeShield requiring all cancellation requests to be submitted in writing rather than allowing cancellations over the phone or online. In some cases, customers reported that LifeShield failed to send the necessary cancellation forms and instead sent invoices and certificates of coverage.

In addition, several customers have complained about denied claims and lack of coverage. Some customers reported that LifeShield denied their claims for emergency care and outpatient surgery, citing exclusions for bone and joint surgery. Others reported that LifeShield initially approved their claims but later denied coverage, leaving them with significant medical bills.

Overall, the complaints suggest that LifeShield National Insurance Co. may have issues with transparency, customer service, and coverage denials. It is important to note that the complaints may not represent the full scope of customer experiences and that LifeShield has addressed and resolved some of these complaints.

LifeShield Accident Insurance

LifeShield is the brand name for insurance products and services underwritten or provided by one or more subsidiaries and affiliate companies of LifeShield National Insurance Co. It offers life and health insurance Third Party Administration services that can be tailored to fit a wide variety of business needs. LifeShield offers insurance products to individuals, small and mid-sized businesses, school districts, and associations across the United States.

• Lump Sum Package: This package includes lump sum benefits in case of Natural Death, Accidental Death, Dismemberment & Permanent Total Disability lump sum payment, Accidental Medical Reimbursement, In Hospital–Accident, and Accidental Weekly Indemnity.
• Life Time Income Package: This package includes benefits for Natural Death and a monthly benefit in case of Accidental Death, Dismemberment & Permanent Total Disability.
• Combined Package: This package includes benefits in case of Natural Death, Accidental Death, Dismemberment & Permanent Total Disability (lump sum payment and monthly payment), Accidental Medical Reimbursement, In Hospital – Accident, and Accidental Weekly Indemnity.
• Accident & Sickness In-Hospital Income Package: This package includes benefits in case of Natural Death, Accidental Death, Dismemberment & Permanent Total Disability lump sum payment, Accidental Medical Reimbursement, Accident & Sickness In Hospital Income, and Accident & Sickness In Hospital surgical expenses.

The LifeShield Accident Insurance policy can be issued to individuals aged 18-59. Its coverage is 24 hours a day, 365 days a year, and worldwide.

LifeShield insurance locations

LifeShield National Insurance Co. is headquartered in Oklahoma City, Oklahoma, and has five locations in total. The addresses of these locations are as follows:

5701 N Shartel Ave Oklahoma City, OK 73118-5911

5701 N. Shartel Avenue, 1st Floor Oklahoma City, OK 73118

P. O. Box 18223 Oklahoma City, OK 73154

P.O. Box 18223 Oklahoma City, OK 73154

5701 N. Shartel ave. Oaklahoma city, OK 73118

The company offers insurance products and services to individuals and businesses across the United States. It is worth noting that LifeShield National Insurance Co. has received several complaints from customers regarding issues such as unexpected withdrawals from bank accounts, difficulties with cancelling policies, and dissatisfaction with coverage and payment processes.

Frequently asked questions