Assurity Life Insurance Review 2026

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: June 16, 2026

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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 to 50) or $500,000 (ages 51 to 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 offers a range of life insurance products to meet different customers' needs. Its products are 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.

Assurity may not be the right fit if you want an insurer with broad name recognition or need specialized policies or riders it doesn't carry. Comparing alternatives is worth the time in either case.

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 to 50) or $500,000 (ages 51 to 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 that allow you to convert your term policy to a permanent one without undergoing additional medical exams. This can be an attractive option for people who want the flexibility to adjust 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 to 75. 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

Once you've reviewed Assurity's products, the next step is buying a policy. If Assurity declines your application, this section covers strategies for what to do next.

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 how much coverage you'll need.

Use our life insurance calculator if you want to get a quick estimate.
2
Compare quotes
Look at the different life insurance policies in your area. Specific coverages are 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 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 request additional information to 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 claim with Assurity requires specific documentation. Most claims are resolved within five business days of approval.

Contact the claims department. Call 800-276-7619 or submit through the policyholder portal online. Have the policy number, death certificate and your contact information ready.
Gather required documents. Assurity requires a certified death certificate, a completed claim form and proof of identity as a beneficiary. Additional documents may be required depending on circumstances or policy type.
Submit your claim. Mail, fax and online submission are all accepted. Processing time varies by case complexity. Assurity contacts you if additional information is needed.
Receive your benefit. After approval, you can choose direct deposit, a check or transfer to an interest-bearing account. Most beneficiaries receive payment within five business days.

The accelerated death benefit rider allows access to funds while the policyholder is alive if diagnosed with a qualifying terminal illness. The process follows the same documentation requirements as a standard claim, with the addition of medical certification of the terminal diagnosis. Contact Assurity's claims team to start.

Assurity Life Insurance Reviews: Bottom Line

Along with a solid commitment to customer service, Assurity 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

We scored Assurity on three weighted criteria:

Affordability (55%)
Customer experience (30%)
Coverage options (15%)

Sample profile: A 40-year-old male nonsmoker, 5 feet 9 inches tall and 160 pounds with an average health rating. We then adjusted age, gender, height, weight, tobacco use and health rating to calculate average costs for different customer types across varying term lengths and coverage amounts.

Data sources: Rate filings, AM Best financial strength ratings, J.D. Power customer satisfaction scores, NAIC complaint index, online customer reviews and MoneyGeek's proprietary insurer database.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

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