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Freedom Life insurance review

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Cover immediate life and disability needs with extra benefits, but beware of poor customer reviews.'s rating: 3.5 / 5


  • Get a quote if… You need short-term policy options.
  • Pick something else if… You want highly-rated customer service.

18 to 70

Issue Age

$500 to $1,500



Medical Exam Required


Policies Term life, short-term disability and AD&D
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


  • Unique policies
  • Decades of experience
  • Affiliated with a brand name


  • Concerning customer complaints
  • Confusing website information
  • Short terms
  • Low disability coverage
  • Reduced coverage for older customers
Riders Child rider
Spouse rider

Expert review

Sarah George

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 You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

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.

What types of life insurance coverage does Freedom Life offer?

Freedom Life is owned by USHEALTH Group, a UnitedHealthcare company. Together with two other subsidiaries, the insurer offers these insurance products:

  • Term life. The Life Protector policy is the company’s 10-year term life insurance plan, while the MedGuard Plan provides term life for five years. These policies cover you for the chosen policy amount until the term ends, the death benefit gets paid out or you renew coverage.
  • Short-term disability. The IncomeProtector policy can help you by replacing your income for three to 12 months if you become disabled. You can choose a 14- or 30-day elimination period and flat-rate monthly payouts of $500 to $1,500 if you can’t work due to a covered disability.
  • Accidental death and dismemberment (AD&D). The Accident Protector plan pays out benefits from $2,500 to $15,000 if you’re involved in a covered accident that leads to death or lost limbs, sight or hearing. This plan also includes excess medical benefits for medical deductibles, copays and ineligible expenses as well as $4,000 for an emergency air ambulance. The coverage chosen applies to both the excess medical and AD&D portions, but it’s not clear whether the limits apply separately or as one maximum payout for both.
  • Critical illness. The MedGuard life insurance plan comes with a critical illness feature that pays out all or a portion of the benefit if you live through specific critical illnesses. You also get specified coverage for your spouse and children.

What riders can I add to my life insurance policy?

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.

What we do know:

  • Spouse rider. The MedGuard Plan covers your spouse for critical illnesses with a specific amount that depends on the coverage and premium you choose.
  • Child rider. Under MedGuard, your children receive a critical illness benefit up to $15,000 or up to your spouse’s covered amount, whichever is lower.

How much does Freedom Life cost?

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:

  • Age
  • Overall health and weight
  • Job
  • Dangerous hobbies
  • Term length
  • Extra benefits or riders

Compare alternatives to Freedom Life.

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Freedom Life reviews and complaints

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.

How do I sign up?

To get a Freedom Life policy, you can contact the company by phone or apply online. Your application might involve these steps:

  1. Call 800-387-9027 to talk with Freedom Life Insurance of America customer service. Otherwise, fill out the online quotes form to receive a callback.
  2. Provide your personal information, such as your name, address and information about your health.
  3. Choose the type of policy you need, then receive your quote.
  4. If you accept the quote, receive and review all your policy documents carefully. Ask questions about coverage terms you don’t understand.
  5. Complete your paperwork, sign and finish with your payment information.
  6. Return the paperwork to Freedom Life and start your coverage.

More about Freedom Life

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.

Frequently asked questions

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