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Integrity Life Insurance Reviews
Integrity Life Insurance is based in Cincinnati, Ohio and is licensed to sell annuities and life insurance across the United States. The company is a member of Western & Southern Financial Group, a family of diversified financial services companies that dates back to 1888. Western & Southern Financial Group is one of the financially strongest life insurance groups in the world. It’s the parent company of both Integrity Life Insurance Company and National Integrity Life Insurance Company, providing service to all 50 states and the District of Columbia. Integrity Life has been offering insurance products since 1966, and they are dedicated to providing a lifetime of financial confidence.
Integrity Life Insurance
- PO Box 5720
Cincinnati, OH 45201-5720 www.westernsouthern.com/distributors/about/integrity-companies
Advantages of Integrity Life Insurance
Integrity Life Insurance offers a 100% money-back guarantee as well as a 30 day “cooling off” period where you can cancel your policy and be refunded any money spent. This allows you to take the time to determine if your policy meets your needs with the assurance that you won’t be losing money if you choose to go in another direction. The death benefit paid to your beneficiary is generally income tax-free, eliminating any surprises when it comes to the amount being passed on.
With decades of experience in the insurance industry and strong financial stability ratings, Integrity Life Insurance Company can offer you a policy that is guaranteed to last. Policyholders also receive interim accident coverage while an application is in progress, so you are never left unprotected during the process.
Your policy will automatically be upgraded whenever Integrity Life makes improvements to the type of coverage under your policy, so you’ll have quality coverage no matter what. You can easily upgrade your coverage to meet the ever-changing needs of your life, and policies are flexible with add-ons that can customize your policy to you. Coverage extends worldwide, whether you are traveling for business or pleasure, so rest assured that you’re protected no matter where you go.
Claims reporting online is available 24/7, as well as over the phone and via mail. There is no paperwork involved in the process, and limited need for follow-ups.
Disadvantages of Integrity Life Insurance
Coverage may not be available nationwide. Integrity Life Insurance Company offers coverage in the District of Columbia and all U.S. states aside from New York. However, the parent company - Western & Southern Financial Group – also owns National Integrity Life Insurance Company, which provides life insurance products in New York.
There is only one life insurance product available from Integrity Life, Legacy Forward II. While there is only one product, it is highly customizable to meet a variety of needs and budgets. It is a universal life insurance policy with options for policy loans and withdrawals, as well as options for Critical Illness and Terminal Illness benefits and an Accelerated Death Benefit Rider.
Integrity Life Insurance: Available Products
Life Insurance
Integrity Life’s product provides a lump sum benefit in the event of your death or diagnosis with a terminal illness. Legacy Forward II Single Premium Universal Life (SPUL) is a policy that instantly leverages a single payment, with a minimum of $10,000, into a larger income-tax-free death benefit. To qualify, you must complete a simple application and a few health questions, and policy decisions are delivered within minutes with electronic underwriting. Other benefits include a return of premium guarantee and chronic and terminal illness riders. This policy is available to ages 18-80, and is issued by Western-Southern Life Assurance Company and National Integrity Life Insurance Company.
In addition to their life insurance product, Integrity Life has several options for annuities to help address long-term challenges and protect you against financial risks.
Fixed Annuities
This type of annuity accumulates interest at a specified rate. The funds can then be paid out as income at a later date.
Income Annuities
This type creates income or future retirement income that can be guaranteed for life.
Variable Annuities
This annuity type offers investment options with performance related to the stock market.
Indexed Annuities
These annuities earn interest based on changes in a market index with protection against loss of principal.
Integrity Life Insurance Company Ratings
| Agency | Rating | Description |
| A.M. Best | A+ | Superior |
| Standard & Poor´s | AA- | Very Strong |
| Moody´s | Aa3 | Excellent |
| Fitch | AA | Very Strong |
| Better Business Bureau | A+ | Excellent |
| Comdex | 96th percentile of rated companies |
If you're considering purchasing life insurance from a company, their ratings are an important factor in selecting your policy. Financial strength ratings give insight into the company's stability and service, ensuring they'll be able to meet their financial obligations to you. Integrity Life Insurance has excellent ratings, which can help you move forward with confidence knowing they can pay claims when you suffer a loss. Several factors go into determining a company’s financial strength and stability, including net income, combined ratio, and policyholder surplus. The rating a company receives indicates their ability to pay claims made by its policyholders. Here at LifeQuote, we only quote “A” rated carriers to ensure the coverage you receive is secure and can truly protect your future. You can read reviews of more of the companies we partner with here and get a free quote today to begin comparison shopping.
Conclusion
Integrity Life Insurance Company is a flexible and financially stable provider with a life insurance product that can be tailored to meet your needs. It can also be adapted later in life to fit changes you may have made after purchasing your policy. Coverage is versatile, and the application and claims processes are both extremely quick and hassle-free to give you financial peace of mind without the stress of paperwork, extensive phone calls, and applications.
While Integrity Life is a solid company, it is always best to compare your options to make sure your policy is the right fit. Life insurance isn’t a one-size-fits-all product. It’s essential to spend time comparing several options before purchasing a policy. Working with a broker can help you easily compare rates and policies. Plus, it gives you access to an agent who’s familiar with the underwriting process and can offer expert advice. Here at LifeQuote, we work only with “A” rated companies and can offer quotes for over 40 of the country’s top-rated carriers. Get a quote now to start the process of finding the policy for you.
