COUNTRY FinancialReviews of countryfinancial.com

I strongly urge anyone considering insurance with Country Financial to think twice. I was a loyal client from 2016 through March 2026, with monthly payments consistently withdrawn from my bank account. After the traumatic loss of my son in July 2025, I qualified for a disability claim and began the process in August 2025. I promptly submitted all required documentation from both my primary physician and psychiatrist. Despite fulfilling every requirement, my experience has been deeply frustrating. My first payment, which was due on January 17, 2026, did not arrive until March 3. Since then, I have not received payments for February, March, or April. Communication has been equally disappointing. My representative, Paula Heiser, has been unhelpful and inconsistent. Although I repeatedly requested basic information such as check numbers, issue dates, and tracking details, I was only given partial information. After more than 40 days of delays, the only solution offered was to reissue the check, blaming postal service issues. Due to medical recommendations related to my mental health, I am only able to work part-time. The lack of timely payments has significantly worsened my financial hardship during an already devastating time. After years of loyalty, I feel let down by a company that has shown a lack of accountability, urgency, and compassion. This experience has added unnecessary stress and hardship to my grieving process. I cannot recommend Country Financial based on my experience. Yvonne B. Harvey

With our homeowners' insurance rising every year. Which is infuriating in itself. My wife and I shopped around to find a better premium. And we thought we had with Robert Lunsford at Country Financial. Unfortunately, I wasn't aware we needed to cancel our previous insurance. So by the time my mortgage provider informed me that my escrow account had paid out two premiums, over a month had elapsed. I called my former homeowner's insurance agent and discussed cancelling my policy. He was very professional and said he would cancel it from when the other new policy went active, "going back over 30 days". Although through a courteous conversation, he reevaluated our policy and was able to save me a significant amount of money. When I called County Financial to cancel their policy, I was informed that they could only go back 14 days, but the agent could cancel it fully. When talking with Robert, he was very rude and said he was only able to go back 30 days, and would look into it, and hung up on me. I called County back, and they informed me that yes, the agent can unwind the policy and send a full refund. Yet Robert proceeded to call me back and reconfirm that he was only able to cancel the policy back 14 days. Essentially lying to me. I will never do business with liars, and neither should you!

I called to get a quote for our church insurance, after giving them all the information. They wanted to know how much money we took in before quoting me a price. I informed them they didn't need that information to quote me a price. They insisted they did, I said well, I guess I'm talking to the wrong company, and said bye.

Country Financial was a great company for our family for a long time. Lately, our rep who was good for so many years, has come upon a run of bad customer service. Recently, our plan changed from monthly payments, that we have used for 17 years, to a full 6 month premium, that was automatically charged to my account. When I called to notify my agent, my call and email was not returned, and he missed the appointment that the web calendar set for us to meet. Then I called the website customer support line and was told that although it was a mistake, they will have to hold my funds for 10 days (because they said it was a law and there hands were tied) before they can process my refund. I am thankful that we are at a spot in our life where we can handle missing 1800.00 for 10 days, but to some people this would be cataclysmic. We were those people when we were young. How could a company possible expect some making ends meet wait 10 days for their money back, on a mistake that was not theirs? I just want to warn others. I couldn't imagine all of the checking fees and overdraft charges if that was my whole funding source. Shame on this company and this fictional law that they have clearly misapplied from the intention. You could destroy someone's financial life.

I've had Country Financial for over 20 years and have been very satisfied. They've replaced two roofs (although I had to be assertive on one claim to get the correct type of shingles) and covered a complete home loss. Within 2 days of the house fire, I had several thousands of dollars in my account to cover expenses. They automatically sent 75% of my personal property coverage without an inventory which almost all of my neighbors needed to provide. I had one adjuster throughout the process, some neighbors had as many as ten. The settlement was very fair and professionally handled.

I worked with COUNTRY Financial and their agent Eric Miller in Warrenville, IL about five years ago to purchase a short-term business insurance policy for a temporary construction job. Instead of helping me secure the short coverage I needed, he pushed a multi-month policy that clearly benefited him in commission rather than serving my situation. I paid for the months I actually needed, but even after the coverage ended, his office continued billing me and demanding additional premiums. Despite multiple communications stating I did not want to renew, invoices kept coming for a policy I had already canceled. In my experience, this was misleading and not customer-focused. I personally would not trust working with COUNTRY Financial or Eric Miller in Warrenville, IL again and encourage others to be cautious.

Terrible cheap company, it’s all good until you have a claim. I have been a customer 35 years and the handling of my claim is terrible. Water damage from high winds and I have to pay every thing on the exterior. Too expensive of insurance and horrible service.

We requested and received a basic homeowners email quote on 10/31/25. We are just about through with escrow. I called on 12/4/25 and they couldn’t find the quote. They transferred me to an agent who handles southerlin, Oregon. I spent 30 minutes on the phone with her, starting the quote from the beginning again. She was certainly talkative! She said she would email me the quote so I would have it for our lender. I never received it! I am done dealing with Country Financial!