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18 to 75
Issue Age
$50,000 to $1,000,000+
Coverage Amount
| Free Quote | Phone. |
|---|---|
| Insurance Products | Term, Permanent |
| Issue Age | 18 to 75 |
| Coverage Amount | $50,000 to $1,000,000+ |
| Term Lengths | Level term for 10, 20, or 30 years OR Annual Renewable Term |
| Policy Riders Offered | Yes. |
Global Atlantic sells both term and permanent policies, and specializes in indexed variable life insurance.
Depending on your policy, you may be able to customize your coverage with the following riders:
These riders only apply to the Survivorship Builder policy:
Available on permanent policies, the goal of this rider is to reward those who maintain healthy lifestyles. Add it to your policy and you’ll score a discount for visiting the doctor once every two years. If you get a clean bill of health and you’ve stayed within your weight range as determined by your policy, you’ll earn a further discount on your premium. This feature also grants you access to the Ask Mayo Clinic 24-hour nurse line.
The rate you’re offered reflects your age, health, lifestyle, occupation and hobbies, as well as the length and amount of coverage. To protect themselves, insurers reserve their best rates for the least risky applicants.
At Global Atlantic, underwriters consider the following factors:
Global Atlantic Financial group isn’t accredited with the Better Business Bureau, but it does have an A+ rating for its operations and customer service. The BBB has recorded just three complaints in the past three years and customers have awarded the company a three-star rating.
Its subsidiaries aren’t BBB-accredited, either. On its own, Accordia Life Insurance & Annuity Co has a C rating with the BBB. Customers filed 37 complaints over the past three years, most of which related to problems with the product, service, billing and collection.
Like its parent company, Forethought Life Insurance Company has earned three stars from customers and an A+ BBB rating.
To get a quote or apply for a policy, call 877-462-8992.
Alternatively, you can call a local life insurance agent. Global Atlantic has offices in Iowa, Georgia, Indiana, Pennsylvania, Massachusetts, New York, Connecticut and Texas.
The approval process typically takes three to four weeks, which factors in time for a full paramedical exam.
If you’re eligible for Global Atlantic’s accelerated underwriting program, Fast Lane, the total turnaround time after the phone interview is one to two business days.
Global Atlantic is a multiline insurer that was founded by Goldman Sachs in 2004 before breaking away to become an independent company in 2013. Since then, it’s acquired several subsidiaries. These include Accordia Life & Annuity Co, which issues its term, universal and indexed universal life insurance, while Forethought Life Insurance Company writes its whole life policies for funeral expenses.
Aside from life insurance, Global Atlantic sells annuities and offers retirement and financial planning. It has over $40 billion in assets and holds an A (Excellent) rating with A.M. Best.
If you have complex needs or you’re in the market for a permanent policy, it may be worth checking out Global Atlantic. Along with a range of riders, it offers four indexed universal life policies and funeral planning products that can ease the burden on your family when you’re gone.
But it’s a little old-school — if you have questions, you’ll need to jump on the phone. Before committing, compare life insurance providers.
