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finder.com's rating: 3.5 / 5
★★★★★
18 to 70
Issue Age
$500 to $1,500
Coverage
Yes
Medical Exam Required
Policies | Term life, short-term disability and AD&D |
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Coverage maximum | $1,500 |
Term lengths | Three to 12 months for short-term disability, five and 10 years for term life |
Medical exam required | Yes |
Available states | All 50 states (Not all the products are available in all states) |
Issue age | 70 years old max for term life |
Riders |
Child rider Spouse rider |
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Review by
Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
Freedom Life offers interesting options with features that could boost the value of each type of coverage. If you need an accidental death and dismemberment policy, this company’s option gives you that and more with an excess medical bill benefit. Its term life options could work well for policyholders who only need coverage for a short time.
But if you’re going for a standard policy, this company’s offerings might not work for you. Its term life and short-term disability policies offer less coverage and shorter insured time periods than the same coverage from other insurers. Also, Freedom Life’s low business and customer ratings could pose concerns about the company’s service and claims settlements.
Overall, make sure you look at multiple life insurance options before settling on the right policy for you.
Freedom Life is owned by USHEALTH Group, a UnitedHealthcare company. Together with two other subsidiaries, the insurer offers these insurance products:
Freedom Life doesn’t talk about specific riders it offers, except for its MedGuard critical illness benefits. However, most policies offer coverage for you, your spouse or your children as named insureds.
The LifeProtector term life policy costs between $10 and $50 per month, and you can choose your premium in $5 increments. However, your exact rates for term life or any other policies may depend on several factors:
Freedom Life Insurance Company of America holds a D+ rating with the Better Business Bureau (BBB), as of October 2020. This low rating is due to a pattern of customer complaints that involve problems with misleading sales information, denied claims, cancellation and billing issues.
Customers frequently complain their actual coverage doesn’t match the coverage promised by sales representatives. Other customers complain that getting claims approved and paid is a difficult and drawn-out process. Many complaints deal with the company’s health insurance plans. USHEALTH Group has denied that these complaints form a pattern.
On Trustpilot, USHEALTH Group holds an average rating of 3.4 out of 5 stars. About half of these customer reviews rate the company as excellent, while the rest tell a similar story to the BBB complaints.
To get a Freedom Life policy, you can contact the company by phone or apply online. Your application might involve these steps:
Freedom Life Insurance Company of America is a subsidiary and underwriter for USHEALTH Group. The group of companies focuses on individual healthcare, supplemental healthcare and life insurance policies, including for small businesses, families and self-employed people. The companies have helped 15 million customers and served in the industry for over 50 years.