Assurity Life Insurance CompanyReviews of assurity.com

My Disability policy was purchased since 1997, when i was in my early 30ths, and i have kept it active all these years. I submitted a separately new claim, for a totally different illness last year 2024, after returning to work for a mount of time after my previous illness. My claim was baslessly denied by Assurity Life Insurance Company. I asked for an original copy of my policy, since i had missed place my policy, they gave me all the running around, and ended up sending me a put together paperwork without the application that i field out when i purchased the policy, calling it my policy.

THe language inthe policy is extremely misleading, and what THEY HAVE IN THEIR POLICY does NOT MATCH what they mail you in yours. Example: policy states that as long as you are treated by a physician within 60 days of an accident, its covered. HOWEVER what the policy doesnt say is that any and all follow up treatment (MRI, XRAY, etc) must ALSO be done within that SAME 60 day period. Anyone of sound mind knows that all doctors (outside of an ER visit) look you over, prescribe the lease invasive treatment and tell you to come back in a month if it still hurts.t They then proceed in this same fashion. But with Assurity you can wait to go to the doctor, but you better make sure you get an XRAY, MRI, and referral to a specialist all on the same day, then make sure you get in to see the specialist all in the same week, because you have to have the surgery (if you end up needing it) within 180 days of the accident. Think about that: Have a fall, 3 weeks later, still hurts Go to a doctor (now you are close to 30 days), they look at it, maybe give you a shot, tell you to come back 3-4 weeks (now you are at 50 days minimum) go back to the doctor, he refers you to a specialist, you immediately call the specialist, who has an opening in 2 weeks (now you are past your 60 days, at about 80 days). You go see the specialist who orders an MRI (sorry that MRI not covered because you didnt have it done within 60 days of your fall), MRI results are back 2 weeks later, and you get a follow up appointment the next day (now you are at 100 days) specialist recommends surgery, but doesnt have an available day to perform the surgery until 45 days later- now you are outside the 180 day treatment window and they wont pay for the surgery, or any of the subsequent "policy allowances" as all of that (physical therapy, etc) has to happen within 180 days (6 months) of the date of your fall. The only way this would EVER happen is if you went to the doctor the day you fell and DEMANDED he get an MRI XRAY, refer you to a specialist all in the same week so you can make sure to have the surgery, and the PT all within a 6 month time period. Your doctors professional advice is disregarded completely. TOTAL RIP OFF. If you get accident insurance, plan to get paid $200 for a doctors visit, and thats it, unless you are transported to the ER and have emergency surgery.

I left a review here to help others not waste their money with Assurity. I did eventually receive a reply saying to contact Jon at 800-869-0355 ext. 4400, but he doesn't answer his phone. I tried a few times. He eventually left me a message that said to contact customer connections at ext. 4279 and anyone there should be able to help me. I wasn't asking for help. I leave reviews to help others. This company denied my son's life insurance claim. I just hope others don't fall for Assurity's false sense of security.

I was made redundant in August after paying into this policy for numerous years they wanted everything even going back to my mortgage when I took the policy out in 2014. Luckily I still had a bit of paperwork and managed to get some statements from the building society. Every month it’s a hard to get the payment and then I found a job after 2 months and they told me I owed them money for another month's premium. Save your money this policy is not worth it.

Customer service is not very good. If you like waiting on the phone this is the company. Would not recommend. I wonder if Dave Ramsey still endorses them. If so he should read the reviews. He would change his mine if he had to deal with the customer service.

Terrible company I applied for short term disability and the people interviewing me on the other line took three weeks to make a call they did not explain the rationale for asking me about genital diseases???Additionally they did not have the professionalism to contact me themselves to let me know of the denial.

RUN. Seriously shady and dishonest practices. Put your money into a bank account instead of trusting in a company that posts pictures playing golf while dragging out processing your claim way past legal timeliness. Do not EVER take out a critical illness policy because when they can't deny your claim, they will try and cancel your policy based on narratives they create from your medical records.

I have been insured for the last eight years. $318.00 per month and then received a letter reading my premium had doubled. Don't pay it and you lose your insurance. How can i say this nicely? They are slime bags!! Eric Buchanan