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Erie Family Life insurance review

A diverse product line with a personal touch, but without the convenience of online services.

Get a quote if…

  • You’re looking for a wide option set and a community-based agency.

Choose a different provider if…

  • You live in New York or any other states not covered by Erie’s network.

1 to 85

Issue Age

$10,000 to $10,000,000


Only for policies above $90,000 and non-term policies

Medical Exam Required


Policies Term, Whole, Universal
Coverage maximum $10,000,000
Term lengths 5, 10, 15, 20, and 30 years
Medical exam required Only for policies above $90,000 and non-term policies
Available states Only available in Illinois, Indiana, Kentucky, Maryland, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia
Issue age Not listed


  • Local agents and one-on-one guidance for every policy purchase
  • Financially stable company
  • Coverage from the day of birth


  • Available in 12 states only
  • No online quotes
  • Very few online services
Riders Accelerated death benefit rider
Critical illness benefit rider
Long-term-care rider

Erie Family Life insurance rates

To get an idea of how much you’ll pay for an Erie Family Life policy, you have to talk to an agent.

The only pricing available on the company website is their claim that a $250,000 policy can cost as little as $14.24 a month. But that cost doesn’t include stipulations about age or medical history to determine who would qualify for that rate.

How to get a quote from Erie Family Life life insurance

Unlike competitors, you aren’t able to apply or even start an application online. To sign up, you must call a local Erie agent:

  1. Click Service and then Contact Erie from the Erie Insurance website.
  2. Click Contact a Local Erie Agent to expand the topic, and then click Search for your to enter your ZIP code and narrow down agents and offices near you.

You can also call Erie Family Life’s general toll-free number at 800-458-0811 for help.

What types of life insurance coverage does Erie Family Life offer?

A subdivision of Erie Insurance, Erie Family Life offers term, whole and universal life insurance policies with a variety of riders for eligible policyholders to customize coverage.

  • Term life insurance. Erie’s most affordable term policies allow you to control the terms and amount of coverage. They offer 5-, 10-, 15-, 20-, or 30-year terms with consistent premiums over the entirety of the term.
    Two plans are available:
    • Easy-to-purchase. Apply for up to $90,000 in protection by answering a few medical questions, and get your answer within 15 minutes.
    • Level term insurance. At the end of your term, opt to convert your coverage to a whole life insurance policy of equal or lesser value.
  • Whole life. A Whole or permanent life insurance policy covers you and your loved ones for your entire life. Erie offers policy coverage amounts that range from $10,000 to $10 million, issued from the day of birth to age 85.
    It offers six payment duration options and allows you, at no extra charge, to get cash advances on your death benefit if you contract a terminal illness.
  • Universal. Universal policies offer the best of both options. You get low-cost coverage like a term policy and also the savings benefits of a whole life policy, but with more flexible terms.
    Universal plans can also cover specific business situations and allow the policyholder to designate charitable giving from the death benefit.
    Features of Erie’s universal coverage include:
    • Flexibility. Choose whether to pay the minimum amount to keep your policy active, or contribute more to increase the funds in the investment side of the policy.
    • Guaranteed death benefit. As you pay your premiums and don’t touch your cash value, your benefit won’t decrease unless you choose to adjust it.
    • Interest-bearing policy. Take advantage of guaranteed interest on your contributions.
    • Potential tax benefits. Policy loans come with tax-free income potential, as long as you don’t withdraw the tax-deferred interest or otherwise end your policy.

What riders can I add to my policy?

  • Accelerated death benefit rider. If you’re diagnosed with a terminal illness and have fewer than 12 months to live, you can access part of your death benefit.
  • Critical illness benefit rider. Pays for the portion of approved expenses not covered by Medicare if you’re diagnosed with a chronic illness.
  • Long-term-care rider. Offers financial support if you’re ever in need of long-term nursing care in a facility or in your home.

Erie Family Life insurance reviews and complaints

Erie Family Life earns A.M. Best’s rating of A+. It isn’t accredited by the Better Business Bureau, but it earns a A+ score from the BBB based on its internal criteria that includes years in business and how it’s handled customer complaints, as of October 2020.

Complaints about the company online are few, which is rare for life insurance companies generally.

AM Best financial rating A+
BBB accredited No
BBB rating A+
1.57/5 out of 53 customer reviews
Trustpilot score 4/5 out of 3 customer reviews
Customer reviews verified as of 19 January 2021

Compare life insurance companies like Erie Family Life

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
Policygenius - Life Insurance
18 - 85 years old
10, 15, 20, 25, 30 years
Depends on provider and policy
Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.
20 - 60 years old
10, 15, 20, 25 or 30 years
No, for coverage up to $3M
Apply for term life insurance online without the medical exam. Get an instant decision and adjust your coverage at no charge.
18 - 60 years old
5, 10, 15, 20, 25 and 30 years
Compare 40+ insurers and apply online to get the lowest possible price — no medical exam required.
Everyday Life
18 - 70
10, 15, 20, 25, 30, 35 and 40 years.
Ladder multiple life insurance policies to save on the coverage you need for all your debts.
18 - 60 years old
10, 15, 20, 25, 30 years
Get a quote and apply.
21 - 60 years old
10, 15, 20, 25 or 30 years
Depends on policy
No-exam term policies up to $1 million online, with the option to upgrade to permanent life insurance later.

Compare up to 4 providers

More about Erie Family Life

Erie Insurance has provided insurance policies since 1925. Company lore is that Erie was derived using letters from the word service — because “nearly perfect” customer service has always been part of the company’s founding purpose.

In addition to life insurance, Erie Insurance provides:

  • Auto and leisure vehicle insurance
  • Retirement plans and annuities
  • Home and property insurance
  • Business insurance

Bottom line

Erie provides a more traditional and personal insurance agent-to-customer relationship. If that’s not for you, compare other insurer offering online quotes and applications online.

Frequently asked questions about Erie Family Life insurance insurance

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