Freedom Life Insurance Company of America Review [2024]

Freedom Life Insurance Company of America is a subsidiary of USHEALTH Group and only offers term life insurance. The company has only one plan so if you are looking for complete coverage, this might not be for you.

However, if you are looking for a simple term life plan with no bells and whistles, this is worth looking into.

If you are looking for life insurance, it’s best to compare term life insurance quotes to find the best deal.

What coverage is offered by Freedom Life Insurance Company?

Although there are several types of term life insurance, Freedom Life Insurance only offers one term life plan. Its one plan, LifeProtector, is set in 10-year increments and can be renewed until age 70. There are no add-ons or riders available.

Although Freedom Life Insurance Company doesn’t offer any additional coverages, USHEALTH Group offers a variety of medical, dental, and vision coverages.

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What is the cost of a term life policy with Freedom Life Insurance Company?

Freedom Life term life insurance rates range from just $10, in $5 increments, up to $50 per month.

Although we don’t have costs from Freedom Life, we can give you a comparison to see how your quote stacks up.

This table shows you the average monthly cost of a 10-year term life insurance policy worth $100,000 from Transamerica. Compare these numbers with the quote you receive from Freedom Life.

Transamerica Average Monthly Term Life Insurance Rates for a 10-Year Term Life Policy for $100,000

It’s important to note that you can’t get a quote on the Freedom Life website, and there’s no online information on what you get at each price point.

Where is Freedom Life Insurance available?

Freedom Life Insurance is not available in all 50 states. You are not eligible for coverage if you life in Connecticut, Hawaii, Massachusetts, New Hampshire, New York, Rhode Island, Vermont, or Puerto Rico. (read our “Connecticut Life Insurance” for more information)

Read more:

• Massachusetts Life Insurance
• Rhode Island Life Insurance
• Hawaii Life Insurance

How do you cancel your Freedom Life Insurance policy?

It’s very simple to cancel your term life policy with Freedom Life. You just stop paying. There don’t appear to be forms to fill out or cancellation fees.

If you need to cancel or contact customer service, you can do that Monday-Saturday by calling 800-387-9027. You can also contact customer service through the website or email.

Your life insurance quotes are always free.

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Your life insurance quotes are always free.

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What are the customer satisfaction and financial ratings for Freedom Life Insurance Company?

Across the board, Freedom Life Insurance Company seems to fall in the “just okay” category.

Here are some specific ratings for the company:

• The customer complaint ratio was 0.83, slightly better than the national standard complaint index of 1.0.
• A.M. Best gives the company a financial rating score of A-, which is good but not as great as some of the bigger companies.
• The Better Business Bureau rates USHEALTH Group at A+; however, Freedom Life is not accredited with BBB.

There are many pros and cons when it comes to Freedom Life Insurance Company.

The pros include simple policy choices, coverage is available until age 70, and the cancellation policy is easy.

Cons are that there is only one choice for coverage with no add-ons and it’s not available everywhere.

If you’re looking for term life insurance, shop around to get the best coverage at the cheapest price. Compare quotes with your affordable Freedom Life Insurance rates to see who has the best deal.

Additional Information on Freedom Life Insurance Co. of America

How to Access and Utilize Freedom Life Insurance Co. of America’s Services

To effectively use the services offered by Freedom Life Insurance Co. of America, understanding the various access points and benefits is crucial. This guide will help you navigate through the essentials.

Freedom Life Insurance Login and Provider Portal

• Freedom Life Insurance Login:

  • Accessing Your Account: Visit the official website of Freedom Life Insurance Co. of America. Look for the login section, usually located at the top right corner of the homepage.
  • Creating an Account: If you’re a new user, you’ll need to create an account by providing your policy number, personal details, and setting a password.
  • Managing Your Policy: Once logged in, you can manage your policy details, make premium payments, and access policy documents.

• Freedom Life Insurance Provider Portal:

  • For Providers: Healthcare providers can use the provider portal to verify patient eligibility, submit claims, and check claim statuses.
  • Registration: Providers need to register on the portal by providing their practice information and credentials.
  • Using the Portal: After registration, providers can log in to access the necessary tools and resources for managing patient interactions and insurance claims.

Freedom Life Insurance Coverage Options

• Freedom Life Health Insurance:

  • Plans Available: Freedom Life Co. offers various health insurance plans, including individual and family health insurance options.
  • Benefits: Coverage typically includes medical, surgical, and hospital expenses. Some plans might also offer preventative care and wellness programs.

• Freedom Life Dental Insurance:

  • Coverage: Plans may cover routine dental check-ups, cleanings, fillings, and other dental procedures.
  • Finding a Dentist: Use the provider portal to find a network dentist and understand the benefits associated with your plan.

• Freedom Life Medical Insurance Reviews:

  • Customer Feedback: Reviews often highlight the affordability and range of services provided. Customers appreciate the straightforward claims process but have noted areas for improvement in customer service.

Freedom Life Insurance Benefits and Features

• Policy Benefits:

  • Term Life Insurance: Offers coverage in 10-year increments, renewable until age 70. This simple plan is easy to understand and manage.
  • Additional Coverage: While primarily focused on term life insurance, the parent company, USHEALTH Group, offers other health-related insurance products.

• Customer Service:

  • Contact Information: For assistance, customers can contact Freedom Life Insurance customer service at the Freedom Life Insurance phone number: 800-387-9027. They provide support Monday through Saturday.
  • Support: Customer service can assist with policy inquiries, claim submissions, and account management.

Cancelling Your Policy

• Cancel Freedom Life Insurance:

  • Process: To cancel your policy, simply stop making premium payments. No formal cancellation forms or fees are required.
  • Confirmation: It’s recommended to contact customer service to confirm cancellation and avoid any misunderstandings.

• Cancel Freedom Life Health Insurance:

  • Steps: Similar to life insurance, you can cancel health insurance by ceasing premium payments. However, ensure you understand any potential consequences or coverage lapses before doing so.

Reviews and Customer Feedback

• Freedom Life Insurance Co. of America Reviews:

  • General Sentiment: Customers generally appreciate the simplicity and affordability of Freedom Life Insurance policies.
  • Detailed Reviews: Look for specific reviews such as Freedom Life health insurance reviews, Freedom Life medical insurance reviews, and Freedom Life UnitedHealthcare reviews to get a comprehensive understanding of customer experiences.

• Freedom Life Insurance Lawsuit:

  • Legal Issues: Occasionally, insurance companies face lawsuits related to claim disputes or coverage issues. It’s beneficial to stay informed about any ongoing legal matters involving Freedom Life Insurance to understand their implications on policyholders.

Freedom Life Insurance Company Overview

• Freedom Insurance Company:

  • Company Profile: Freedom Life Insurance Co. of America is part of the USHEALTH Group, providing a range of insurance products focused on simplicity and affordability.
  • Freedom Life Co.: The company emphasizes straightforward policy options and ease of access through online portals and customer service support.

• Freedom Life Insurance Co. of America Photos:

  • Visuals: The company’s website and marketing materials often feature images highlighting their services, office locations, and customer interactions.

Understanding the services, benefits, and customer feedback for Freedom Life Insurance Co. of America helps policyholders make informed decisions. From accessing the Freedom Life Insurance login and provider portal to exploring various coverage options like Freedom Life health insurance and Freedom Life dental insurance, this guide covers essential aspects. Additionally, insights into the cancellation process and reviews provide a comprehensive overview of what to expect from Freedom Life Insurance.

How to Evaluate and Choose the Right Freedom Life Insurance Plan

Choosing the right insurance plan can be a daunting task. To help you make an informed decision, it’s essential to understand the evaluation process, including reviewing feedback and knowing the steps to manage your policy. Below is a detailed guide on evaluating and selecting a plan from Freedom Life Insurance Co. of America.

Evaluating Freedom Life Insurance Plans

Freedom Life Insurance Reviews

• Customer Feedback:

  • Reading Freedom Life Insurance reviews provides insight into customer satisfaction and common experiences. Look for trends in positive and negative feedback to gauge the overall reliability of the company.
  • Key aspects to consider in reviews include the ease of the claims process, customer service quality, and satisfaction with policy coverage.

• Freedom of Choice Life Insurance Reviews:

  • Specific product reviews like Freedom of Choice life insurance reviews can give you a clearer picture of what to expect from individual plans. Customers often highlight unique features and potential drawbacks.

• Freedom Life Reviews:

  • Broader Freedom Life reviews cover multiple aspects of the company’s offerings, including customer service, policy options, and overall satisfaction. This broader perspective helps in understanding the company’s reputation in the insurance market.

Managing Your Policy

Freedom Life Insurance Cancellation Policy

• Cancellation Process:
  • If you need to terminate your policy, the Freedom Life Insurance cancellation policy procedure is straightforward. You can cancel by simply stopping premium payments, but it’s advisable to contact customer service to confirm the cancellation.
  • Contacting the Freedom Life health insurance phone number for assistance can ensure that there are no misunderstandings and that you have officially canceled your policy.

Selecting the Right Coverage

Types of Coverage

• Freedom Health Insurance:

  • Freedom health insurance plans vary in coverage and benefits. Assess your medical needs and compare them with the available plans to find one that suits you best.
  • Consider factors such as premium costs, coverage limits, and network restrictions.

• Freedom Life Insurance Plans:

  • Besides health insurance, Freedom Life offers various term life insurance plans. Evaluate these based on your long-term financial goals and the security you want to provide for your family.

Steps to Choose the Right Plan

• Identify Your Needs:

  • Determine what you need from an insurance plan, whether it’s comprehensive health coverage, term life insurance, or a specific benefit package.

• Compare Plans and Reviews:

  • Use the information from Freedom Life Insurance reviews and Freedom of Choice life insurance reviews to compare different plans.
  • Make a list of potential plans that meet your criteria and compare them based on coverage, cost, and customer satisfaction.

• Contact Customer Service:

  • For any questions or detailed information, use the Freedom Life health insurance phone number to speak directly with a representative. They can provide specific details and help clarify any uncertainties.

• Review Policy Details:

  • Carefully review the policy details before making a decision. Ensure you understand the terms, benefits, and any exclusions or limitations.

• Make an Informed Decision:

  • Based on your research and the information gathered, select the plan that best fits your needs and budget. Ensure you are comfortable with the terms and confident in the company’s ability to provide the necessary support and coverage.

By following these steps and utilizing the resources available, you can effectively evaluate and choose the right Freedom Life Insurance plan for your needs.

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Understanding Freedom Life Insurance and Its Offerings

Freedom Life Insurance and US Health Group are owned by United Health Care, offering a range of insurance options including term life policies and health insurance plans.

Additionally, Freedom Life Insurance of America ensures that their offerings are accessible and meet various insurance needs.

Comparing Freedom Life Insurance to Other Providers

When considering life insurance, it’s essential to compare different providers to find the best coverage and rates. Below, we’ll explore how Freedom Life Insurance stacks up against other companies.

Freedom Life Insurance vs. American National Freedom Term Life Insurance

Freedom Life Insurance Review

Freedom Life Insurance, a subsidiary of US Health Group, offers a single term life policy that can be renewed every 10 years until age 70. The simplicity of their offerings makes it a viable option for those looking for straightforward coverage without additional riders or options.

American National Life and Freedom Life Term Life Insurance reviews

American National offers more flexible term life insurance policies with various term lengths and additional riders. Customer reviews often highlight the customizable options and competitive premiums.

Addressing Concerns: Is Freedom Life Insurance a scam?

There have been discussions online about potential scams related to life insurance companies. It’s crucial to verify the legitimacy of any insurance provider. Freedom Life Insurance is a legitimate company under US Health Group, but always check for updated reviews and consult with an insurance advisor.

Health and Dental Insurance Options

Freedom Life and Health Insurance

Freedom Life Insurance also provides health insurance plans through its association with US Health Group. These plans often include basic medical coverage, catering to different needs and budgets.

Freedom Life Dental Insurance

For dental insurance, Freedom Life offers basic plans, but for more comprehensive coverage, customers often look at other providers. If you need to contact them, you can reach the Freedom Life dental insurance provider phone number.

Customer Reviews and Ratings

Freedom Life Insurance Reviews

Customer reviews for Freedom Life Insurance highlight both pros and cons. While some appreciate the simplicity and ease of cancellation, others wish for more policy options and riders.

Choice America Insurance Reviews

Choice America offers various insurance products, and reviews are generally positive, noting good customer service and competitive pricing.

Freedom Insurance Reviews

Freedom Insurance, like many other insurance companies, has mixed reviews. It’s essential to read recent customer experiences to get a sense of their service quality.

Specialized Insurance Products

Freedom Choice Insurance

Freedom Choice Insurance is another product offered under the US Health Group umbrella, focusing on providing flexible health and life insurance options.

Freedom Health Insurance Review

Reviews for Freedom Health Insurance often mention the affordability and range of coverage options, although some customers report issues with claims processing.

Partnering Providers and Services

Freedom Life and Cigna Insurance reviews

Freedom Life Insurance has partnered with Cigna to offer a broader network of medical providers. Reviews for this partnership are generally positive, with customers appreciating the expanded access to care.

Freedom Life Co. of Greenwood Village Reviews

Located in Greenwood Village, Freedom Life Co. has received varied reviews, with many customers noting the convenience of having a local office for their insurance needs.

Contact Information and Customer Service

Freedom Life Insurance Company of America Phone Number

For customer service inquiries, you can contact Freedom Life Insurance Company of America at their official phone number. Additionally, provider-specific phone numbers are available for more detailed queries.

Freedom Life Insurance Provider Phone Number

For health and dental insurance inquiries, contacting the Freedom Life Insurance provider phone number can provide specific information about coverage and claims.

Insurance Premiums and Coverage

Freedom Life Insurance Premiums

Freedom Life Insurance premiums are competitively priced, with options starting at $10 per month. The premiums increase in $5 increments up to $50 per month, making it easy to choose a plan that fits your budget.

Freedom Life Insurance Medical Coverage

Medical coverage under Freedom Life Insurance is designed to meet basic health needs, but customers seeking more comprehensive coverage may need to explore additional options or partnerships like Freedom Life Insurance.

International and Regional Coverage

When it comes to international and regional coverage, Freedom Life and Cigna offer comprehensive insurance options tailored to meet diverse needs. Freedom Life provides flexible plans that cater to both domestic and international policyholders, while Cigna is renowned for its extensive global network, ensuring robust coverage no matter where you are. Both companies prioritize accessibility and quality care, making them top choices for those seeking reliable insurance solutions.

Freedom Life Insurance: A Subsidiary of UnitedHealthcare

UnitedHealthcare partners with Freedom Life Insurance to offer enhanced health insurance options, leveraging UnitedHealthcare’s extensive network and resources.

Cancellation Policies

Cancel Best Life Dental Insurance

If you need to cancel Best Life dental insurance, the process is straightforward, often requiring just a call to customer service without additional fees.

Choosing the right insurance plan involves understanding your needs, comparing options, and considering customer reviews. Freedom Life Insurance, along with its partners and additional products, offers a variety of options worth exploring. Always ensure you have the most recent information and seek professional advice to make the best decision for your insurance needs.

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