Physicians Mutual Insurance Review & Ratings (2024)

Discover the benefits of Physicians Mutual Insurance: reliable coverage, competitive rates, exceptional service, and peace of mind. Protect yourself and your loved ones with comprehensive insurance options tailored to your needs. Whether you're seeking life, health, dental, or Medicare supplement insurance, Physicians Mutual has you covered.

UPDATED: Nov 25, 2023Fact Checked

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

UPDATED: Nov 25, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Nov 25, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 25, 2023Fact Checked
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Physicians Mutual Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • Strong financial stability and a long-standing presence in the industry.
  • Specialized insurance products catering to specific healthcare needs.
  • Customer-focused service approach.
  • Customizable coverage options.

Cons

  • Limited coverage options compared to larger insurers.
  • Rates might be higher for certain policies.
  • Geographical limitations in coverage areas.
  • Policy restrictions or limitations might apply.

Final Verdict: Review of Physicians Mutual Insurance

Physicians Mutual Insurance is an insurance company that offers a range of insurance products, including life insurance, health insurance, dental insurance, and Medicare supplement insurance. The company has been in business for over 100 years and is headquartered in Omaha, Nebraska.

Physicians Mutual Insurance is known for its excellent customer service and financial stability, with an A rating from A.M. Best.

The company also offers a range of discounts on its insurance products, including multi-policy discounts, healthy living discounts, safe driver discounts, home safety discounts, and age-based discounts.

Overall, Physicians Mutual Insurance is a reputable insurance provider that offers a variety of insurance options and discounts to meet the needs of its customers.

What You Should Know About Physicians Mutual Insurance

Welcome to our comprehensive guide on Physicians Mutual Insurance and its range of insurance products. In this article, we will explore the key features, coverage options, and benefits offered by Physicians Mutual Insurance. From life and health insurance to dental and Medicare supplement insurance, we’ll cover it all. Learn about the company’s reputation for reliability, competitive rates, and outstanding customer service.

Interesting Attributes of Physicians Mutual Insurance:

    • Comprehensive range of insurance products and services

    • Competitive rates and discounts

    • Strong reputation for customer service and financial stability

To ensure you make an informed decision, we encourage you to compare rates from the best insurance providers in your area. Simply enter your ZIP code below and take the first step towards securing the best insurance coverage for yourself and your loved ones.

Physicians Mutual Insurance is a trusted provider of insurance products and services, offering coverage in all 50 states. The company has a long history of providing reliable and affordable insurance to its customers, and is committed to helping them achieve their financial goals.

Physicians Mutual Insurance offers a variety of insurance products and services, including dental, vision, and Medicare supplement insurance, as well as life and long-term care insurance. With a strong reputation for customer service and financial stability, Physicians Mutual Insurance is a top choice for individuals and families looking for reliable insurance coverage.

Physicians Mutual Insurance Coverage Options

Physicians Mutual Insurance Company offers a wide range of insurance products and services to individuals and families. These include:

    • Life insurance: Physicians Mutual Insurance Company offers a variety of life insurance options, including term life, whole life, and universal life insurance. These policies provide financial protection for your loved ones in the event of your death, and can help cover expenses such as funeral costs, outstanding debts, and ongoing living expenses.

    • Medicare supplement insurance: Medicare Supplement Insurance, also known as Medigap, is designed to help cover the out-of-pocket costs associated with Medicare. Physicians Mutual Insurance Company offers a range of Medigap plans to choose from, each with its own set of benefits and premiums.

    • Dental insurance: Physicians Mutual Insurance Company offers dental insurance plans to help cover the cost of routine dental care, as well as more complex procedures like crowns, bridges, and dentures. These plans offer a range of benefits and premiums, and can be customized to meet your specific needs.

    • Accident insurance: Physicians Mutual Insurance Company offers accident insurance policies that can help cover the costs associated with unexpected injuries and accidents, such as emergency room visits, hospital stays, and rehabilitation.

  • Annuities: Physicians Mutual Insurance Company also offers annuity products, which provide a steady stream of income during retirement. Annuities can be a good option for individuals who want to supplement their retirement income and have a steady stream of income that is guaranteed for life.

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Physicians Mutual Insurance Rates Breakdown

The cost of Physicians Mutual insurance varies depending on the type of insurance product or service you are interested in, as well as a number of other factors such as your age, health status, and coverage options. Here is a general overview of the cost of some of the insurance products offered by Physicians Mutual:

    • Life insurance: The cost of life insurance policies offered by Physicians Mutual can vary widely depending on the type of policy, coverage amount, and age of the insured. For example, a 20-year term life insurance policy with a coverage amount of $250,000 for a healthy 35-year-old male may cost around $20-$30 per month.

    • Medicare supplement insurance: The cost of Medicare Supplement Insurance, also known as Medigap, varies depending on the plan you choose and your age. Premiums typically range from around $50 to $200 per month, with the average cost for a Plan F policy being around $150 per month.

    • Dental insurance: The cost of dental insurance offered by Physicians Mutual varies depending on the plan you choose and the level of coverage you need. Premiums typically range from around $25 to $50 per month, with higher coverage options costing more.

    • Accident insurance: The cost of accident insurance policies offered by Physicians Mutual varies depending on the coverage amount and deductible you choose. Premiums typically range from around $15 to $40 per month.

  • Annuities: The cost of annuities offered by Physicians Mutual varies depending on the type of annuity, the amount invested, and the age of the investor. Annuity rates can range from around 1% to 4%, with fixed annuities offering a lower rate of return and variable annuities offering a higher rate of return.

Physicians Mutual Insurance Discounts Available

Physicians Mutual Insurance is an insurance company that provides a range of insurance products, including life insurance, health insurance, dental insurance, and Medicare supplement insurance. While Physicians Mutual Insurance does not offer discounts specifically through physicians, they do offer a range of discounts on their insurance products.

Here are some of the discounts that may be available through Physicians Mutual Insurance:

    • Multi-policy discount: If you have more than one insurance policy with Physicians Mutual Insurance, you may be eligible for a multi-policy discount.

    • Healthy living discount: If you maintain a healthy lifestyle, such as regular exercise and not smoking, you may be eligible for a healthy living discount.

    • Safe driver discount: If you have a good driving record, you may be eligible for a safe driver discount on your auto insurance policy.

    • Home safety discount: If you have safety features installed in your home, such as smoke detectors or security systems, you may be eligible for a home safety discount on your homeowners insurance policy.

  • Age-based discounts: Depending on your age, you may be eligible for discounts on your life insurance or Medicare supplement insurance policy.

Frequently Asked Questions

What is Physicians Mutual Insurance?

Physicians Mutual Insurance is a mutual insurance company that offers a range of insurance products including life insurance, Medicare supplement insurance, dental insurance, and other health-related insurance products.

How is the financial strength of Physicians Mutual Insurance?

Physicians Mutual Insurance has a strong financial rating with an A (Excellent) rating from AM Best, which indicates that the company has a strong ability to meet its financial obligations to policyholders.

What insurance products are offered by Physicians Mutual Insurance?

Physicians Mutual Insurance offers a range of insurance products including life insurance, Medicare supplement insurance, dental insurance, and other health-related insurance products.

Is Physicians Mutual Insurance a good option for life insurance?

Physicians Mutual Insurance is a solid option for life insurance with competitive rates, excellent financial strength ratings, and a range of policy options to choose from.

What is the claims process like with Physicians Mutual Insurance?

The claims process with Physicians Mutual Insurance is straightforward and efficient. Policyholders can file a claim online or over the phone, and the company strives to process claims quickly.

What are some pros of choosing Physicians Mutual Insurance for insurance coverage?

Some pros of choosing Physicians Mutual Insurance include competitive rates, excellent financial strength ratings, a range of policy options, and efficient claims processing.

Are there any cons of choosing Physicians Mutual Insurance for insurance coverage?

One potential downside of choosing Physicians Mutual Insurance is that the company has limited availability, with coverage only available in certain states.

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Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

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Compare quotes from the top insurance companies and save!

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