Assurity Life Insurance Review 2025

Read our Assurity life insurance review and explore its customizable coverage options, available riders and average rates.

Find out if Assurity is the right life insurance company for you.

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Written by Mark Fitzpatrick

Updated: November 17, 2025

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At a Glance: Assurity Life Insurance

Assurity

MoneyGeek Rating

4.5/ 5

4.4/5Affordability

4.6/5Customer Experience

4.5/5Coverage

Average Monthly Cost
$45 (women); $55 (men)
Average Annual Cost
$538 (women); $663 (men)

pros
- Flexible policy options
- Offers riders and endorsements to enhance coverage
- Up to $10 million coverage
- Offers no-exam policies
cons
- Medical underwriting process can be lengthy
- Coverage options and availability may vary by state
Assurity Life Insurance operates in 49 states and Washington, D.C., with an average NAIC complaint index of 0.638 (below the industry average). The company offers term life insurance (10 to 30 years) with coverage of up to $10 million. Eligible adults can get no-exam policies up to $1 million (ages 18–50) or $500,000 (ages 51–65).

Other policy types it offers include whole and universal life insurance. Assurity provides additional protections through riders, including Accelerated Death Benefit, Accidental Death Benefit, Disability Waiver and Guaranteed Insurability.

The company also offers the StartSmart Bundle, a package that combines life, health and income protection coverage for young adults.
- J.D. Power: N/A
- A.M. Best: A-
- BBB: A+
- Average NAIC Complaint Index: 0.638

MoneyGeek’s Take: Is Assurity Right for You?

Assurity Life Insurance offers a range of life insurance products that cater to different customers' needs. Its products are particularly suitable for people prioritizing customization and flexibility in their life insurance policies. Assurity Life Insurance is a mutual insurer, meaning that policyholders own the company rather than shareholders.

Based on MoneyGeek's 2025 analysis of major insurers, Assurity ranks among the best life insurance companies for smokers and families, as well as the cheapest life insurance companies for seniors.

If you prioritize insurers with well-established brand recognition and reputations or have specialized insurance needs with specific policies or riders not provided by Assurity Life Insurance, explore alternative options.

Assurity Policy Options

Assurity offers different types of life insurance products, including term, whole and universal policies. You can also get additional financial protection by buying riders suitable for your needs.

Term Life Insurance

Term life insurance covers you for a fixed period. Your beneficiaries receive the death benefit if you die during the term.

LifeScape Level Term

Provides 10, 15, 20 or 30 years of level premiums with coverage starting at $25,000. Eligible buyers may qualify for accelerated underwriting, creating a faster approval path without medical exams for qualifying ages and amounts. The policy includes a conversion feature that lets you move to permanent coverage without new medical underwriting.

LifeScape Term Life with Endowment Benefit Rider (Return of Premium)

Offers term coverage with the ability to receive a refund of all base premiums if you outlive the term. The rider builds guaranteed endowment value during the policy period, giving long-term planners a way to recover premiums. This option also includes convertibility for those who want permanent coverage later.

Term Life with Accelerated Underwriting

A convenient option for instant approval, providing flexible face amounts up to $1 million (ages 18–50) or $500,000 (ages 51–65) . With accelerated applications, this term life insurance offer ensures guaranteed level premiums for an initial term period without medical exams.

The provider also offers convertible term life insurance policies, which allow you to convert your term life insurance policy to a permanent one without undergoing additional medical exams. This can be an attractive option for people wanting the flexibility to change their coverage as their needs change over time.

Term life insurance is ideal for young buyers with relatively low insurance requirements. Assurity's term life coverage is available to customers aged 18–75 years old. These policies serve various purposes, such as providing income replacement for dependents, covering debts and mortgage payments, funding education expenses, and addressing final expenses.

Whole Life Insurance

Assurity provides whole life insurance policies that offer guaranteed death benefits equal to the policy's face value and accumulate cash over time.

Whole Life Protect+

Offers guaranteed premiums, lifelong coverage and cash value that grows on a fixed schedule. The policy includes living benefits for qualifying chronic, critical, and terminal illnesses, along with simplified underwriting options for eligible buyers. Coverage begins at $10,000 and scales based on age and underwriting class.

Whole Life Perform+

Provides lifetime coverage with guarantees and an emphasis on stronger long-term cash value performance. It includes accelerated living benefits and flexible payment options that support long-range financial planning. Coverage starts at $10,000, with higher limits available depending on age and underwriting rules.

Children’s Whole Life

Gives children lifetime coverage with guaranteed premiums, guaranteed cash value and limited-pay flexibility. Coverage ranges from $10,000 to $300,000, with simplified underwriting for most applications. A built-in guaranteed insurability feature lets the child purchase more coverage later without medical exams.

Single Premium Whole Life Insurance

A lifelong coverage policy that requires a single lump-sum premium payment and offers the benefits of accumulating cash value over time and providing a death benefit to beneficiaries. With a guaranteed minimum interest rate, this policy can be a good option for those who want to transfer wealth or leave a legacy to their loved ones.

Whole life insurance works well if you have more flexibility in your financials, as you can use the policy's cash value as a potential source of tax-advantaged income (consult a tax professional for your specific situation). Despite being generally more expensive, whole life policies suit people seeking long-term investment potential and estate planning options.

Universal Life Insurance

Assurity offers universal life insurance policies that serve people aged 15 days to 85 years old, providing permanent life insurance coverage, flexible premium options and a cash value component that grows over time.

LifeScape Universal Life

Includes level and increasing benefit amounts, starting at $25,000 for all risk classes. The policy can be renewed until the insured reaches age 121. The death benefit equals the surrender value if the policy remains in force beyond the anniversary date following age 121, as outlined in your specific policy contract. The underwriting classes for this policy include Preferred Plus Non-Tobacco, Preferred Non-Tobacco, Standard Non-Tobacco, Preferred Tobacco and Standard Tobacco.

Universal life insurance provides flexibility in premium payments and death benefit amounts, making it an attractive permanent life insurance option. Assurity offers universal life insurance policies that allow for adjustments to premiums and benefits over time, giving policyholders greater control over their coverage. Policyholders can use the cash value component to supplement retirement income, pay for a child's education or cover unexpected expenses.

Assurity’s Life Insurance Riders

A rider can be added to a life insurance plan to enhance your coverage, provide additional benefits and allow you to customize your policy. Assurity offers several add-ons to customize your policy:

Rider	Description
Accelerated Death Benefit	This rider allows you to access a portion of your death benefit if you receive a qualifying diagnosis such as a terminal or chronic illness. Payouts go to the insured, not beneficiaries, and can help with major expenses during a health crisis.
Accident-Only Disability Income	This replaces a portion of your lost income in the event of a total disability caused by an accident, providing financial assistance for expenses such as mortgage payments and everyday living costs.
Critical Illness Insurance	This covers anticipated and unforeseen expenses in the event of a diagnosed severe condition. This insurance offers financial support for day-to-day costs, deductibles, copays, rehabilitation, travel for out-of-town care and other related expenses. This rider is available only in select states.
Children’s Term	This offers level term insurance coverage up to age 25, with a maximum coverage amount of $25,000. This rider includes a conversion option, allowing the insured child to acquire a new policy with a benefit amount of up to five times the original coverage.
Disability Waiver of Premium	This provides the benefit of waiving all policy and rider premiums if the insured person becomes disabled due to a sickness or injury before their 65th birthday, with the disability lasting for a minimum of six months.
Guaranteed Insurability	This offers the option to purchase additional insurance under a new policy, up to five times, before the policyholder reaches the age of 40.

Assurity Life Insurance Costs

Life insurance rates vary based on age, health status, tobacco use and how much coverage you buy. Lock in coverage while you're young and healthy to get the best rates. Smokers and applicants with health conditions see higher premiums, sometimes double or triple the base rate.

The table below shows average Assurity life insurance quotes across different profiles and policy terms.

Data filtered by:


10 years	$37	$446
15 years	$44	$530
20 years	$55	$663
30 years	$82	$988

Rates shown are average term life insurance quotes for people with average health and weight. Actual premiums vary depending on your profile and coverage needs.

How to Get Assurity Life Insurance

Ready to move forward with Assurity? After learning about their available products, the next step is understanding how to buy a policy that fits your needs. If Assurity denies you coverage, it's essential to be equipped with strategies to handle the situation, which we cover in this section.

1
Do Your Research
Knowing how much coverage you need is the first important step in buying life insurance. This amount will depend on various factors, including your income, debt, future financial needs and, more importantly, how much coverage you'll need.

Use our life insurance calculator if you want to get a quick estimate.
2
Compare Quotes
Look at your area's different life insurance policies. Specific coverages may be limited in some regions. You can learn about other policies, coverage amounts and premiums by exploring MoneyGeek's review of various life insurance companies or visiting the specific insurer's official website.
3
Health Check
Most insurance companies require a health check, including a medical exam and blood work, to assess your overall health and determine your insurability.

If eligible for Assurity's no-exam life insurance policies, you'll skip the medical exam and finish the application process quicker.
4
Approval
Once you've chosen a policy, completed a health check and filled out an application, Assurity will review and evaluate your health check results. They may call to request additional information, which could help determine your final premium rate. Once your application is approved and you have made your initial premium payment, your coverage will come into effect.

Assurity Claims Process

Filing a life insurance claim with Assurity follows a straightforward process, though it requires specific documentation during an already difficult time.

Contact Assurity's claims department at 800-276-7619 or submit your claim online through the policyholder portal. You'll need the policy number, death certificate and your contact information to start.
Gather required documents. Assurity typically requests a certified death certificate, a completed claim form, and proof of identity as a beneficiary. You may need additional documents depending on circumstances or policy type.
Submit your claim through mail, fax or online. Processing times vary by case complexity. The company contacts you directly if additional information is needed.
Receive your benefit. Once Assurity approves your claim, you can choose direct deposit, check or transfer to an interest-bearing account. Most beneficiaries receive payment within five business days of approval.

The accelerated death benefit rider lets you access funds while the policyholder is still living if diagnosed with a qualifying terminal illness. Contact Assurity's claims team to start this process, which follows similar documentation requirements but includes medical certification of the terminal diagnosis.

Assurity Life Insurance Reviews: Bottom Line

Along with a solid commitment to customer service, Assurity Life Insurance offers flexible policies and competitive rates that work for different people. The company is a mutual insurer, so the policyholders own the company rather than shareholders.

Our Assurity life insurance review also found that the company is best for those seeking rider options. It's among our top-rated companies for smokers and families, and the most affordable options for seniors.

Assurity Life Insurance Policies: FAQ

Can you get life insurance from Assurity if you have cancer?

Like most life insurers, Assurity will conduct a medical exam and review your medical record during underwriting. In most cases, a history of cancer may result in higher premiums or coverage limitations. A recent diagnosis or advanced-stage cancer may lead to application rejection.

Do life insurance policies from Assurity cover death by drug overdose?

Assurity usually excludes coverage for self-inflicted injuries and high-risk or illegal activities within the first two years of the policy. A death by drug overdose will be covered if it occurs after the initial two-year exclusion period, and no policy exclusions apply. However, if the overdose was caused by illegal drug use or other high-risk behavior not disclosed on the application, the insurance company may contest or deny the coverage.

Do life insurance policies from Assurity cover death by suicide?

Assurity may offer coverage for death by suicide, but this coverage will have certain limitations and waiting periods. Most life insurance policies have a suicide clause of one or two years. After this period, most policies will cover suicide-related deaths, just like any other cause, although coverage may vary depending on the policy and state laws.

What can you do if Assurity denies you coverage?

As an applicant, you have the right to know why you were denied coverage. Contact Assurity and request a written explanation of the reasons for the rejection. Reviewing your information for accuracy can improve your chances of approval. If the reason is health-related, you can make positive lifestyle changes to show that you're taking steps to improve your overall health. Then, try reapplying.

Life insurers evaluate applicants differently, so explore other providers. Seeking assistance from an insurance agent or broker can also increase your chances of finding a suitable insurer.

How We Rated Assurity Life Insurance

Assurity offers competitive rates and solid coverage options, but how does it stack up against other insurers? We analyzed quotes across multiple customer profiles and weighted key factors that matter most when choosing life insurance: affordability, customer experience and coverage flexibility.

Our Rating Breakdown

We scored Assurity using a weighted methodology that prioritizes what you'll actually pay:

Affordability (55%)
Customer Experience (30%)
Coverage Options (15%)

Quote Collection Process

We gathered Assurity quotes using a baseline profile for consistent comparisons:

40-year-old male nonsmoker
5 feet 9 inches tall, 160 pounds
Average health rating

This standard profile creates an apples-to-apples comparison across insurers. We then adjusted age, gender, height, weight, tobacco use and health ratings to calculate average Assurity costs for different customer types across varying term lengths and coverage amounts.

Data Sources

Our analysis draws from rate filings, A.M. Best financial strength ratings, J.D. Power customer satisfaction, NAIC customer complaint index, online customer reviews, and MoneyGeek’s proprietary insurer database. This combination of pricing data, financial stability metrics, and customer feedback reveals how Assurity performs where it counts: affordability, reliability and ease of doing business.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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