ReliaStar Life Insurance Review & Ratings (2024)
Secure your family's future with dependable life insurance coverage from ReliaStar Life Insurance. Discover our wide range of comprehensive policies designed to provide financial stability and peace of mind. Safeguard your loved ones' well-being and ensure their protection for years to come. Contact us today and take the first step towards a worry-free tomorrow.
Read moreBrad 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: Sep 13, 2024
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: Sep 13, 2024
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.
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ReliaStar Life Insurance
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- Long-standing History: Established in 1885, ReliaStar Life Insurance has a rich and enduring history in the insurance industry.
- Diverse Coverage Options: The company offers a variety of life insurance and retirement products, providing customers with choices to suit their needs.
- Positive Customer Feedback: Generally receives positive reviews for customer service, claims handling, and overall value for money.
- Digital Convenience: Provides user-friendly mobile apps and online account management for easy policy management.
- Competitive Rates: Often offers competitive rates and discounts, providing potential cost savings for policyholders.
Cons
- Limited Regional Availability: Coverage options and services may vary depending on the state, limiting availability for some customers.
- Communication Concerns: Some customer reviews express concerns about communication and billing issues, highlighting areas for improvement.
- Individual Experiences Vary: As with any company, customer experiences can vary, and not all reviews may align with everyone’s expectations.
- Specific Rider Availability: The availability of certain riders may vary depending on location and the specific policy chosen.
- Processing Time Variability: The processing time for claims may vary depending on the nature of the claim, potentially impacting policyholders’ experiences.
In conclusion, ReliaStar Life Insurance is a reputable insurance provider with a long history of providing quality insurance products and services to customers across the United States. The company offers a range of life insurance policies, including term, universal, and variable life insurance, as well as group life insurance options for businesses.
While the cost of coverage may vary depending on factors like age, health, and location, ReliaStar Life Insurance generally offers competitive rates and discounts for eligible customers. ReliaStar Life Insurance is a solid choice for customers looking for quality life insurance coverage at a competitive price. As with any insurance provider, it’s important to do your research and carefully consider your options before making a decision.
What You Should Know About ReliaStar Life Insurance
Welcome to our comprehensive guide on ReliaStar Life Insurance. In this article, we will cover key topics such as the importance of life insurance, the different types of coverage offered by ReliaStar Life Insurance, and the benefits of choosing a reliable insurance provider. We’ll also delve into the factors to consider when selecting the right policy for your specific needs and circumstances.
Whether you’re a young professional starting a family or a retiree planning for legacy protection, having the right life insurance coverage is crucial. To ensure you make an informed decision and find the best rates available, enter your zip code below and compare quotes from top insurance providers. Don’t wait any longer to safeguard your loved ones’ financial security – take action today.
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History and Mission: ReliaStar Life Insurance
ReliaStar Life Insurance has a rich history dating back to its founding in 1885. Originally known as Northwestern National Life Insurance Company, the company changed its name to ReliaStar Life Insurance in 1999.
In 2000, the company was acquired by the ING Group, a global financial institution. In 2013, ING Group’s U.S. retirement, investment, and insurance businesses were acquired by Voya Financial, which is now the parent company of ReliaStar Life Insurance.
The mission of ReliaStar Life Insurance is to help individuals and businesses achieve financial security by providing comprehensive insurance products and retirement solutions. The company is committed to building long-term relationships with its customers and providing superior customer service.
ReliaStar Life Insurance aims to help customers protect their financial futures and plan for retirement by offering a range of life insurance and retirement solutions. Overall, the company’s mission is to help customers achieve their financial goals and enjoy peace of mind knowing that they are financially protected.
ReliaStar Life Insurance Coverage Options
ReliaStar Life Insurance offers a variety of life insurance and retirement products and services. Here’s an overview of some of the main products and services the company provides:
- Life insurance: ReliaStar Life Insurance offers several types of life insurance policies to meet the needs of individuals and families.
- Term life insurance: This policy provides coverage for a specified period, usually between 10 and 30 years. It is generally the most affordable type of life insurance and is designed to provide coverage during the years when a person’s financial obligations and responsibilities are highest.
- Whole life insurance: This policy provides permanent coverage for the duration of the policyholder’s life. It also includes a savings component that accumulates cash value over time.
- Universal life insurance: This policy provides flexible coverage and premiums, allowing policyholders to adjust their coverage levels and premiums over time as their needs change.
- Retirement solutions: ReliaStar Life Insurance also offers a variety of retirement solutions to help individuals plan for their financial futures.
- Annuities: ReliaStar Life Insurance offers a variety of annuity products, including fixed annuities, variable annuities, and indexed annuities. Annuities are designed to provide a steady stream of income during retirement.
- Retirement plans: ReliaStar Life Insurance provides a range of retirement plans, including 401(k) plans, 403(b) plans, and other employer-sponsored plans.
- Group benefits: ReliaStar Life Insurance also offers group benefits solutions to employers, including group life insurance, disability insurance, and long-term care insurance.
ReliaStar Life Insurance operates in most states across the United States, and the availability of specific products and services may vary depending on your location. To learn more about the specific products and services offered by ReliaStar Life Insurance in your area, it’s best to contact the company directly or speak with a licensed insurance agent.
States Where ReliaStar Life Insurance Offers Coverage
ReliaStar Life Insurance operates in most states across the United States, but the availability of specific products and services may vary depending on your location. Here’s a list of the states where ReliaStar Life Insurance currently offers coverage:
Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin.
The specific products and services offered by ReliaStar Life Insurance may vary by state. To learn more about the specific coverage options available in your area, it’s best to contact the company directly or speak with a licensed insurance agent.
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ReliaStar Life Insurance Rates Breakdown
The cost of insurance from ReliaStar Life Insurance will vary depending on some factors, including the type of policy you choose, your age and health, your coverage needs, and your location. As with any insurance company, the cost of insurance from ReliaStar Life Insurance is determined based on actuarial tables that take into account a variety of risk factors.
To get an accurate quote for insurance from ReliaStar Life Insurance, it’s best to contact the company directly or speak with a licensed insurance agent. This will allow you to provide detailed information about your needs and receive a personalized quote based on your circumstances.
ReliaStar Life Insurance Discounts Available
ReliaStar Life Insurance offers a variety of discounts to help customers save money on their insurance premiums. Here are some of the discounts that may be available:
- Multi-policy discount: If you have more than one insurance policy with ReliaStar Life Insurance, such as a life insurance policy and an annuity, you may qualify for a discount on your premiums.
- Safe driver discount: If you have a clean driving record, you may be eligible for a safe driver discount on your life insurance premiums.
- Bundled discounts: If you bundle your life insurance policy with other products or services from ReliaStar Life Insurance, you may qualify for additional discounts on your premiums.
- Health and lifestyle discounts: ReliaStar Life Insurance may offer discounts based on your health and lifestyle choices. For example, if you are a non-smoker or maintain a healthy weight, you may be eligible for a discount on your premiums.
- Loyalty discounts: If you have been a customer of ReliaStar Life Insurance for a certain period, you may qualify for a loyalty discount on your premiums.
To learn more about the discounts that may be available to you, it’s best to contact ReliaStar Life Insurance directly or speak with a licensed insurance agent. They can provide more detailed information about the discounts that you may qualify for based on your circumstances.
Understanding How ReliaStar Life Insurance Handles Claims
Ease of Filing a Claim
ReliaStar Life Insurance provides multiple convenient options for policyholders to file a claim. Whether you prefer an online, phone, or mobile app-based approach, the company has you covered. This flexibility ensures that you can initiate your claim in the manner that suits you best.
Average Claim Processing Time
The speed at which an insurance company processes claims can significantly impact policyholders during challenging times. ReliaStar Life Insurance is committed to efficient claim processing, but the specific processing time may vary depending on the nature of the claim and the required documentation.
It’s advisable to check with the company or your insurance agent for the most accurate information on claim processing times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable when assessing an insurance company’s performance in handling claims. ReliaStar Life Insurance generally receives positive feedback regarding claim resolutions and payouts. Many customers have reported satisfactory experiences with the company’s claims department, highlighting its responsiveness and commitment to helping policyholders during difficult circumstances.
However, individual experiences may vary, so it’s recommended to explore customer reviews and reach out to the company for any specific concerns.
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Revolutionizing Insurance Management: ReliaStar Life’s Digital Offerings
Mobile App Features and Functionality
ReliaStar Life Insurance offers a user-friendly mobile app that empowers policyholders with convenient features and functionalities. The app allows you to manage your policy, file claims, view policy documents, and even access customer support right from your mobile device. Its intuitive design ensures a seamless experience for users seeking insurance-related information and services on the go.
Online Account Management Capabilities
Managing your insurance policy online has never been easier with ReliaStar Life Insurance. The company provides robust online account management capabilities, enabling you to review your policy details, make premium payments, update personal information, and track the status of your claims.
This digital convenience simplifies the overall insurance experience, offering you greater control and accessibility.
Digital Tools and Resources
In addition to its mobile app and online account management, ReliaStar Life Insurance equips policyholders with a range of digital tools and resources. These resources may include educational materials, calculators, and interactive features that help you better understand your insurance coverage and financial planning needs.
These digital assets are designed to empower you with knowledge and support your decision-making process.
How ReliaStar Life Insurance Ranks Among Providers
Customer Feedback for ReliaStar Life Insurance
ReliaStar Life Insurance is a reputable insurance provider that has been in business for over a century. The company has a solid financial rating, with an A+ rating from the Better Business Bureau. Overall, customer reviews of ReliaStar Life Insurance tend to be positive, with many customers reporting a positive experience with the company’s customer service, claims handling, and overall value for money.
Here are some examples of customer reviews of ReliaStar Life Insurance from reputable review sites:
On Trustpilot, ReliaStar Life Insurance has a rating of 4.3 out of 5 stars, based on over 1,200 reviews. Many customers praise the company’s competitive pricing and helpful customer service, while some express concerns about communication and billing issues.
On Consumer Affairs, ReliaStar Life Insurance has a rating of 3.6 out of 5 stars, based on over 120 reviews. Positive reviews often cite the company’s fast and efficient claims handling, while negative reviews tend to focus on issues with communication and billing.
On Clearsurance, ReliaStar Life Insurance has a rating of 4.67 out of 5 stars, based on 3 reviews. Customers generally report a positive experience with the company’s customer service and claims handling.
It’s important to keep in mind that individual experiences may vary, and that customer reviews should be used as one of many factors in making an informed decision about an insurance provider. To get a more comprehensive picture of ReliaStar Life Insurance and its services, it’s best to contact the company directly or speak with a licensed insurance agent.
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Frequently Asked Questions
What is ReliaStar Life Insurance?
ReliaStar Life Insurance is a subsidiary of the Voya Financial, a financial services company that provides life insurance, retirement plans, and investment products.
Does ReliaStar Life Insurance offer term life insurance?
Yes, ReliaStar Life Insurance offers term life insurance policies that provide coverage for a specified period of time, typically 10, 15, 20, or 30 years. These policies offer affordable coverage and can be a good option for those who want to ensure that their loved ones are protected during a specific time frame.
Can I apply for life insurance online with ReliaStar Life Insurance?
Yes, you can apply for life insurance online with ReliaStar Life Insurance. The company’s website offers a simple and easy-to-use application process that can be completed in just a few minutes. However, if you prefer to speak with a licensed insurance agent, you can also apply for coverage over the phone or in person.
What types of riders are available with ReliaStar Life Insurance policies?
ReliaStar Life Insurance offers a variety of riders that can be added to your life insurance policy to provide additional coverage and benefits. Some of the riders that may be available include accidental death and dismemberment coverage, accelerated death benefit, and waiver of premium. The availability of riders may vary depending on your location and the specific policy you choose.
How long does it take to get a decision on my life insurance application with ReliaStar Life Insurance?
The time it takes to get a decision on your life insurance application with ReliaStar Life Insurance can vary depending on a number of factors, including the type of policy you are applying for and the information you provide on your application. In some cases, you may receive a decision within a few days, while in other cases it may take several weeks. If you have questions about the status of your application, you can contact the company directly or speak with a licensed insurance agent.
How do I file a claim with ReliaStar Life Insurance?
To file a claim with ReliaStar Life Insurance, you will need to contact the company directly or speak with a licensed insurance agent. The company’s website offers information on how to file a claim, and you can also call the company’s customer service line for assistance. When filing a claim, you will need to provide documentation to support your claim, such as a death certificate or medical records. The company will review your claim and make a decision on whether to approve it based on the terms of your policy.
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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.