Pioneer American Life Insurance Review [2024]
Pioneer American sells term and permanent insurance to customers in 36 states. Customers can find affordable Pioneer American insurance with no medical exam. The company offers several riders that customers can add to a policy and is rated an A by A.M. Best.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Aug 7, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Aug 7, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Pioneer American provides term and permanent life insurance
- Pioneer American offers several riders
- Pioneer American has been rated an A by A.M. Best
Pioneer American provides term and permanent life insurance to customers in 36 states. The company has affordable rates and offers several options to add to a policy. Additionally, the company has been rated an A by A.M. Best.
Knowing more about Pioneer American Insurance will help you determine if it’s the best choice for you.
Before jumping into this Pioneer American Insurance review, enter your ZIP code to get free life insurance quotes in your area.
What are the rates of Pioneer American Insurance?
A common concern for buyers of life insurance is the cost of coverage. Examining the average rates of a company will help you determine if a plan is affordable. Customers’ rates depend on various factors, including:
- Tobacco use
- Age
- Criminal history
- Health
- Occupation
- Lifestyle
The following chart shows the average affordable Pioneer American life insurance monthly rates for a male 10-year term at $100,000 and $250,000 in value.
Pioneer American Insurance 10-Year Term for Males at $100,000 and $250,000 by Age
| Age | Average Monthly Rates for a $100,000 Term Life Policy | Average Monthly Rates for a $250,000 Term Life Policy |
|---|---|---|
| 25 | $14.04 | $22.50 |
| 35 | $13.86 | $22.73 |
| 45 | $18.99 | $37.80 |
| 55 | $35.37 | $78.30 |
| 65 | $87.57 | $206.33 |
The following chart shows the same information for females.
Pioneer American Insurance 10-Year Term for Females at $100,000 and $250,000 by Age
| Age | Average Monthly Rates for a $100,000 Term Life Policy | Average Monthly Rates for a $250,000 Term Life Policy |
|---|---|---|
| 25 | $11.52 | $16.43 |
| 35 | $12.51 | $19.13 |
| 45 | $15.93 | $28.35 |
| 55 | $25.83 | $54.10 |
| 65 | $61.38 | $139.28 |
As you can see, Pioneer American life insurance rates are lower for $100,000 plans than for $250,000 plans. Additionally, when comparing life insurance rates by age and gender, you’ll discover rates are lower for females than males, and rates increase as policyholders age.
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What products are provided by Pioneer American Insurance?
Pioneer American Insurance provides term, whole, and universal life insurance. All policies are available as no medical exam term life insurance plans, allowing customers to avoid an exam and receive quick acceptance.
The next step is knowing and understanding the difference between term vs. whole life insurance. The company has two term life options. The simplified issue plan ranges from 10- to 30-year terms with values ranging from $25,000 to $250,000. These plans are convertible to whole life insurance after the initial period ends.
The company also offers association term life policies available for specific groups. These 10-year renewable plans are for customers between 18 and 65 and feature no medical exam. Members and groups eligible for these plans include:
- Government employees (all levels)
- First responders
- Employees of state-funded educational institutions
- Railroad employees
- Hospital employees
- Spouses of anyone in the above groups
In addition to term life policies, Pioneer American provides two types of permanent life insurance. Compare term vs permanent life insurance to decide which is best for you. Whole life insurance policies feature fixed rates, and universal plans have flexible rates to fit changes in your life.
The company provides two universal life policies. The simplified issue plan doesn’t require a medical exam and has a death benefit between $25,000 and $250,000. Additionally, this option includes a 15-year no-lapse guarantee if all policy payments are complete.
Unlike the simplified issue plan, the fully underwritten version of universal coverage requires a medical exam for acceptance. However, this plan doesn’t have a maximum death benefit, allowing customers to choose the value that fits their needs.
Does Pioneer American Insurance offer riders?
Most life insurance companies offer options that customers can add to a policy. These options are known as riders and allow policyholders to customize their policies. While companies provide some riders with policies, most are available for an additional fee. See what are life insurance riders? for more details.
Pioneer American Insurance provides two riders at no cost and with all policies. The terminal illness accelerated death benefit rider allows policyholders to access their life insurance with living benefits if they have a terminal illness.
The company also offers an accelerated death benefits rider for customers in confined care. This rider is for customers confined to a nursing home for at least 30 days after the policy is issued.
In addition to these no-cost riders, Pioneer American offers options that customers can add to a policy. The optional riders offered by Pioneer American include:
- Accidental death benefit
- Grandchild rider
- Nursing home waiver of premium
- Children’s insurance agreement
Adding optional riders to an insurance policy increases Pioneer American life insurance quotes.
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Understanding Pioneer American Life Insurance and Its Affiliates
Pioneer American Life Insurance is a notable provider in the life insurance market, offering a variety of term and permanent policies. The company is part of the broader American Amicable Group, which includes several subsidiaries like American Amicable Life Insurance. For any inquiries or support, customers can contact the Pioneer American Insurance phone number or reach out to Pioneer American Life Insurance customer service for personalized assistance. While researching Pioneer American Life Insurance reviews, potential policyholders can evaluate the company’s customer feedback and service quality. Similarly, American Amicable Group reviews offer insights into the broader network of insurance services provided by the group.
When considering life insurance options, it’s also beneficial to compare offerings from other companies such as Colonial Penn Life Insurance. Customers looking for specific details, such as the Colonial Penn Life Insurance fax number or addressing concerns about a Colonial Penn Life Insurance scam, should examine Colonial Penn Life Insurance reviews and complaints to ensure informed decisions. Additionally, insights from Columbian Financial Group reviews can provide comparative perspectives. For detailed service, both American Amicable Life Insurance customer service and First Pioneer Insurance representatives offer valuable support.
For those interested in exploring a wide range of options, other notable names include American Life Care Insurance, American Life Company, American Life Financial, and American Life General. Addressing specific needs, such as locating the American Pioneer Life Insurance claims mailing address, ensures that policyholders have the necessary information to manage their insurance effectively.
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Evaluating Life Insurance Options and Customer Insights
When considering various life insurance providers, examining customer reviews and service quality is crucial. Freedom Life Insurance Company of America reviews provide valuable feedback on this insurer’s offerings, giving prospective clients insights into their policies and customer service. Additionally, Gerber Life Insurance payout reviews and the Gerber Grow-Up Plan cash value chart help in assessing the benefits and returns of Gerber’s life insurance products, which can be essential for long-term financial planning.
For a comprehensive overview of different providers, including those offering Guaranteed Acceptance Life Insurance, it’s beneficial to explore customer experiences. Resources like Google reviews for Senior Insurance Agency can offer detailed user feedback, helping individuals make informed choices. Pioneer American Insurance Agent login and Pioneer American Insurance Company customer service are important for current policyholders needing assistance.
Furthermore, Pioneer Assurance contacts and the range of Pioneer Insurance products can be examined to understand available coverage options better. For pricing and policy details, obtaining a Pioneer Insurance quote and checking discussions on Pioneer Insurance on Reddit can provide additional perspectives.
Exploring other reputable companies, such as Senior American Life Insurance Company and Pioneer State Mutual Insurance, alongside reading Senior Life Insurance agent reviews, will give a well-rounded view of available life insurance options. This approach ensures that individuals can make informed decisions about their life insurance needs, balancing affordability with comprehensive coverage.
In-Depth Analysis of Life Insurance Providers and Customer Feedback
When evaluating life insurance options, understanding customer feedback and provider performance is essential. Guaranteed Acceptance Life Insurance reviews offer insights into policies that do not require medical exams, which can be appealing for those seeking straightforward coverage. Similarly, examining Aflac life insurance review and Aflac complaints can help you gauge the overall satisfaction with Aflac’s offerings and any potential issues policyholders may encounter.
For a broader perspective, American Access Insurance reviews and Liberty Mutual Insurance reviews provide feedback on these companies’ customer service and policy features. The Life Insurance Company of the Southwest reviews and Life Insurance of the Southwest ratings can further inform about the reliability and performance of this insurer. Additionally, for those interested in specialized coverage, Washington National Cancer Insurance reviews and Washington National insurance return of premium reviews are valuable for understanding how these policies meet cancer care needs and offer premium returns. Information about Washington National Insurance in Puerto Rico reveals regional availability and service specifics.
Finally, exploring niche providers like Wendell Pioneer Insurance and Western Pioneer Insurance Company can offer alternatives and additional choices in the life insurance market. These insights collectively help in making well-informed decisions about which insurance provider best aligns with individual needs and expectations.
How is Pioneer American Insurance rated?
Credit rating agencies review and rate insurance companies based on financial strength. These ratings indicate the company’s ability to provide a payout when customers file a claim.
Pioneer American Insurance has been rated an A by A.M. Best. This rating is the same as its parent company, American Amicable Life Insurance, and indicates that Pioneer American has solid financial backing.
Read our American Amicable Life Insurance review to learn more about this company.
The Better Business Bureau (BBB) also rates insurance companies based on their business practices. The BBB has rated Pioneer American Insurance an A+, indicating that the company is trustworthy and transparent when working with customers.
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Does Pioneer American Insurance have any complaints?
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about insurance companies. These reviews inform customers about the quality of service that they can expect to receive.
At the time of this review, the BBB has received 15 complaints about Pioneer American over the past three years. The majority of these complaints are about the company’s products and billing services.
According to the NAIC, Pioneer American has received two complaints and has a complaint index ratio of 1.77. These numbers indicate that the company has slightly more complaints than the average competitor of a similar size.
How can you contact Pioneer American Insurance?
Customers looking to buy Pioneer American life insurance or find information can contact the company by phone, email, or fax. The company has one phone number but different fax numbers and email addresses for the departments.
You can reach the company by phone at 800-736-7311. Following the menu options will allow you to find the correct department. Additionally, you can fax the company if you need to send additional information. The fax numbers for Pioneer American are:
- Main: 254-297-2105
- Claims: 254-297-2756
- Sales: 254-297-2709
You can also email the company with questions or information. The email addresses for Pioneer American Insurance are:
- General: [email protected]
- Claims: [email protected]
- Complaints: [email protected]
The contact information for Pioneer American is through the company’s parent organization, the American Amicable Group.
What is Pioneer American Insurance?
The Pioneer American Insurance Company began in 1961 in Waco, Texas, where it remains today. The company has since become a subsidiary of the American Amicable Group, which has multiple other subsidiaries, including:
- American Amicable Life Insurance Company
- Pioneer Security Life Insurance Company
- Occidental Life Insurance Company
- IA Life Insurance Company
After starting in Texas, Pioneer American is now available in 36 states. If the company doesn’t sell coverage in your state, you can contact American Amicable to learn which subsidiary offers insurance in your area.
Read our Occidental Life Insurance Company Review for more information.
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Pioneer American Insurance: The Bottom Line
Pioneer American Insurance provides term and permanent life insurance in 36 states. The company has affordable rates and has been rated well by A.M. Best. However, the company has more complaints than the average similarly-sized competitor.
Learning more about Pioneer American Insurance will help you decide if the company is best for you.
Now that you know about Pioneer American Insurance, enter your ZIP code to find free life insurance rates in your area.
Frequently Asked Questions
How do I contact Pioneer Insurance?
To contact Pioneer Insurance, you can reach them by phone at 800-736-7311. For additional assistance, you can also send a fax or email. The specific fax numbers and email addresses can be found on their website, depending on the department you need to contact.
Is Acceptance Insurance legitimate?
Acceptance Insurance is a legitimate company. It provides a range of insurance products and services, including auto insurance. As with any insurance provider, it’s important to review customer feedback and ratings to ensure their services meet your expectations.
Is American General Life Insurance Company legitimate?
Yes, American General Life Insurance Company is a legitimate insurer. It is part of the American International Group (AIG) and offers a range of life insurance products. As always, it’s advisable to check customer reviews and financial ratings to gauge the company’s reliability.
Is Colonial Penn Life Insurance a scam?
Colonial Penn Life Insurance is not a scam. It is a well-established insurance provider that offers various life insurance products. However, potential customers should review customer feedback and the company’s ratings to ensure it meets their needs and expectations.
Is Primerica a reputable life insurance company?
Primerica is considered a reputable life insurance company. It provides a range of financial products, including life insurance. The company is known for its focus on financial education and personalized service. As with any insurer, checking customer reviews and ratings can provide additional insights.
Is Senior Life Insurance Company legitimate?
Yes, Senior Life Insurance Company is legitimate. It specializes in life insurance products for seniors. To ensure the company’s reliability, it’s beneficial to review customer feedback and financial ratings.
What is Pioneer Insurance?
Pioneer Insurance is a company that offers a range of insurance products, including life insurance. It is a subsidiary of the American Amicable Group and operates in multiple states, providing various policy options to its customers.
What happened to Pioneer Life Insurance?
Pioneer Life Insurance, now part of the American Amicable Group, continues to operate and provide insurance products. If you have specific questions about changes or updates related to Pioneer Life Insurance, contacting their customer service or checking recent updates on their website may provide more details.
How is Primerica life insurance rated?
Primerica Life Insurance generally receives favorable ratings from industry agencies. It is known for its strong financial stability and solid customer service.
Your life insurance quotes are always free.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
