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Get a quote if…
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1 to 85
Issue Age
$10,000 to $10,000,000
Coverage
Only for policies above $90,000 and non-term policies
Medical Exam Required
Policies | Term, Whole, Universal |
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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 |
Riders |
Accelerated death benefit rider Critical illness benefit rider Long-term-care rider |
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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.
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:
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 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:
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.
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.
Unlike competitors, you aren’t able to apply or even start an application online. To sign up, you must call a local Erie agent:
You can also call Erie Family Life’s general toll-free number at 800-458-0811 for help.
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:
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.