All posts by Kismet Dee

AARP Life Insurance Reviews

I believe that another way to get to know a company more would be to read up on some customer reviews so this morning, we will be reading some AARP Life Insurance Reviews. It is true that experience is the greatest teacher of all, but it doesn’t have to be your experience. You can read the reviews and learn from them or get a sneak peak on how AARP treats their customers. Keep an open mind! Don’t let one bad review or one good review make the decision for you. Weight things!

 

Here are the reviews:


 

“Enjoy how informative AARP is via email and text messages. Their financial department is mistake free and payments are steady to match the policy. AARP is unique in that the senior citizens enjoy their complimentary rewards… such as discounts and cutbacks. I will continue to be a lifelong member also because their customer relation is geared towards quality service vs quantity.” — Timothy of Jacksonville


“I was in the insurance in March of 2006. Got cancelled the next month, they had me paying on a canceled policy. They took out another policy claim that I sign which I didn’t. They never sent me any information saying I or my son was canceled and etc.” – Bobby of Durant


“My grandmother passed away 6/26/2015. She has been dealing with AARP-NY Life for 3 years. As of 5/15/2015 she has been in and out the hospital due to becoming very ill. Therefore she was not able to make payments. My mom called this company to try to get everything situated and they said my grandmother’s insurance has lapsed. Being as though my mom is her beneficiary she offered to pay so it will be reinstated. No luck! Terrible service and terrible customer service. Total balance due was just $40. Now they want to search for medical records.

Meanwhile my grandmother has not been set up for her proper burial. Ten days is not acceptable for them to review her claim. From what I am getting from AARP-NY Life is that they don’t care about the customers. They don’t care what happens to loved ones after the passing of their customers. If I could put no stars I would! I will not recommend this company to anyone who needs life insurance. Matter of fact anyone I come across will know of the suffering that AARP-NY Life has put us through.” – Takira of Cockeysville

Check This Out Below For More Related Information

“My father passed away on 8/2014 – A week after him being buried the family filed a claim to collect on his burial life policy. After numerous calls requesting status of our claim, their claims dept seem to never receive any paperwork faxed. After numerous tries of getting them the documents we started having the doctor’s office and funeral fax them over… Still nothing, never received. It’s now 1/23/2015 and no payout, same excuse. Final call went into today. If nothing happens, I’m hiring an attorney. Please please do not USE AARP for anything. Horrible people.” – Dan of South Elgin


 

“My husband and I applied for a $7,500 life insurance policy through AARP w/ NY Life. It is a no questions asked, no physical and guaranteed acceptance policy. I am 54 years old and my husband is 62. They processed and sent me my certificate of insurance but did not process my husband’s. I called to ask about this and they told me that they are going to take at least another 30-45 days to process his! I am wondering why they are doing this because I submitted one application with the both of us on it. Seems to me that we should have been processed and approved at the same time.” – Terri of Scranton


After reading that, how do you feel about AARP now?

 

Don’t forget to subscribe to us here at Best Insurance Deals! Have a great day!

More related information:

AARP Life Insurance Program

AARP Life Insurance Benefits

AARP Life Insurance Company

AARP Life Insurance

Check This Out Below For More Related Information

AARP Life Insurance Program

Before you sign up with AARP Life Insurance, let us first take some time to learn about their programs and other offers. AARP is a nonprofit, nonpartisan, social welfare organization with a membership of nearly 38 million that are eager to help turn the goals and dreams of other people into… Real Possibilities. They also take part in strengthening the communities and fights for issues that matter to most families. Examples of issues are those related to health care, employment, and even income security and protection from financial abuse. AARP is a company that cares. They offer a life insurance plan that is exclusive for members who are over the age of 50 years but not more than 80. Their coverage is affordable and easy to avail if you want to help yourself or your loved ones cover their medical expenses, funeral costs, and other bills.

 

AARP was established by DR. Ethel Percy Andrus who was a retired principal. All she wanted was to promote her philosophy of productive aging and in response to the need of retired teachers’ health insurance. You see at that time, private health insurance was unavailable to older Americans. AARP evolved from the first company she had founded which was called as the National Retired Teachers Association or NRTA for short. Now NRTA has become a division of AARP.

 

Presently, there’s an estimated 2 million AARP member who are already insurance in the AARP Life Insurance Program. If you want to become a member, don’t worry because it is very easy to join. They offer two programs that you can choose from which is the following.

 

  • TERM LIFE INSURANCETerm life insurance is cheaper because it doesn’t last for too long. It is a type of life insurance that pays a benefit in the event of the death of the insured during a specified term. It will only cover you for a certain period of time. Usually the time period ranges from 6 months, a year, to until 25 years. The sad thing about this is that if you die after the insurance policy has already expired, the company will not give you a pay out. You will only receive coverage if you due withing the agreed number of years or months.

    So if you sign up with AARP for term life insurance, you will receive the following:

    – Up to 100,000 US DOLLARS in protection for those who are aged 50 to 74 years of age.
    – It is an affordable coverage that lasts until you reach the age of 80.
    – There is no medical exam needed but you will have to give some of your health information

    Term life insurance is great if you want a protection while you are still young or you just started working. It won’t be too heavy on your budget, but as you age – take note of this – the premium that you have to pay will also increase. You can turn your term life insurance into the next one. Just talk to your life insurance agent about it.

  • PERMANENT LIFE INSURANCENow, you probably have an idea what it is all about. Permanent meaning the coverage will not expire until the time that you have to die.If you die, then the policy will die with you… or if you stop paying your premiums. However, if you continue paying your premiums, the life insurance policy will remain active for as long as you are breathing. The price for the premium of a permanent life insurance is fix. It won’t increase or decrease as you age, but it is more expensive than term life.

    Permanent life insurance also allows you to accumulate wealth as regular premiums pay insurance costs and also contribute to equity growth in a savings account where dividends or interest is allows to build-up tax-deferred.

    If you sign up with AARP, you will receive the following:

    – Up to 50,000 US DOLLARS in protection for those ages 50 to 80 years
    – It is an affordable fixed coverage for your entire life. You will be able to plan your budget accordingly.
    – There will be no need for any type of medical exam but you will have to answer 3 health questions which you will find out once you have sign up or talked to an insurance agent about it.

Don’t forget to subscribe to us here at Best Insurance Deals! if you have any more questions, feel free to drop a comment below or send us a message! Have a great day!

More related information:

AARP Life Insurance Reviews

AARP Life Insurance Benefits

AARP Life Insurance Company

AARP Life Insurance

AARP Life Insurance Benefits

If you are planning to get a life insurance coverage from AARP, then you should be aware of the benefits that you will be getting for choosing this company. AARP lives by the slogan of “Real Possibilities”. AARP is a nonprofit, nonpartisan, social welfare organization with a membership of nearly 38 million that are eager to help turn the goals and dreams of other people into… Real Possibilities. They also take part in strengthening the communities and fights for issues that matter to most families. Examples of issues are those related to health care, employment, and even income security and protection from financial abuse. AARP is a company that cares.

Here are some member benefits that you should know about before you sign up with AARP. There’s a lot of possibilities that AARP allows so that you will be able to save money, play, learn, and even volunteer. Trust that AARP is your ally in reaching real possibilities. Once you have signed up with AARP for any of their insurances, you will be able to get different types of member benefits. You will be able to get the following discounts:


 

DINING AND ENTERTAINMENT


As an AARP member, you will be able to save money on dining out and other activities from restaurants and places like Regal Cinemas, Burger King, and Cirque du Soleil. Here are some more:

  • Chart House
  • Bonefish Grill
  • Dunkin’ Donuts
  • Bubba Gump Shrimp Co
  • Denny’s
  • Regal Cinemas
  • Rainforest Cafe
  • Qutback Steakhouse
  • McCormick & Schmick’s
  • TeeOff(dot)com
  • The Oceanair Seafood Room

 


TRAVEL


 

If you enjoy travelling, you will also be able to save on hotels, flights, and be able to go to more destinations around the world. Enjoy discounts from these companies if you are travelling or have plans of travelling.

  • Avis Rent A Car
  • Budget Rent A Car
  • Budget Truck Rental
  • PaylessCar(dot)com
  • Zipcar
  • Collete Cruises
  • Grand European Travel
  • Norwegian Cruise Line
  • Windstar Cruises
  • Bristish Airways
  • Collette
  • Collette Explorations
  • Grand European Travel
  • Liberty Travel
  • Medjet Assist
  • Park Ride Fly USA
  • Vacations by Rail
  • Grand European Travel
  • Aloft Hotels
  • Ascend Collection
  • Clarion Hotels
  • Comfort Inn
  • Comfort Suites
  • Hilton HHonors
  • Hilton Garden Inn
  • Hilton Grand Vacations
  • Four Points by Sheraton
  • Embassy Suites by Hilton
  • Element by Westin
  • Motel 6
  • Quality
  • MainStay Suites
  • Le Meridien
  • La Quinta Inns and Suites
  • Knights Inn
  • Rodeway Inn
  • St. Regis
  • Super 8
  • Sleep Inn
  • Sheraton Hotels and Resorts
  • The Luxury Collection
  • and so much more!

 

 


ELECTRONICS

 


You will also be able to save money on your favorite gadgets like:

  • AT & T
  • Consumer Cellular
  • Cricket Wireless
  • Kindle E-Books
  • Kindle E-Readers & Tablers
  • Amazon Print and Audiobooks
  • ADT Small Business
  • ADT Home Security

FLOWERS AND GIFTS


 

  • 1-800-Baskets(dot)com
  • Cheryl’s Cookies
  • Fannie may Fine Chocolates
  • Fruits Bouquets by 1-800-Flowers(dot)com
  • Personalization Universe
  • Spafinder Wellness 365
  • The Popcorn Factory

 

HEALTH AND WELLNESS


 

  • LensCrafters
  • Pearle Vision
  • Sears Optical
  • Petplan Pet Insurance
  • Hear USA Hearing Shop
  • Target Optical
  • Walgreens
  • AARP Medicare Complete insurance through United Health Care
  • AARP MyVision Care provided through EyeMen
  • AARP Dental Insurance Plan administered by Delta Dental
  • AARP Vision Discounts provided by EyeMed
  • Medicare Supplement Insurance Plans from UnitedHealthCase
  • AARP Lifetime Income Program from New York Life
  • AARP Identity Theft Protection from TrustedID
  • AARP Credit Cards from Chase

 

 

 


You will also be able to get discounts from some of their other programs like the AARP Auto Buying Program, AARP Driver Safety, AARP Foundation Tax-Aide, AARP TEK Academy, Life Reimagined, Rewards For Good. If you have any more questions about how you will be able to avail them, you can contact your insurance agent so that he or she will give you a much detailed guide.

 

Don’t forget to subscribe to us for more information here at Best Insurance Deals! AARP could be the insurance company for you but there’s no problem with getting to know it first right? If you have a question, feel free to drop it in the comment section below or send us a message! Have a great day!

More related information:

AARP Life Insurance Reviews

AARP Life Insurance Program

AARP Life Insurance Company

AARP Life Insurance

AARP Life Insurance Company

Today we are going to be discussing more about the AARP Life Insurance Company. Have you ever heard of this company? If you have not, then it is about time for you to learn more about it. AARP has a slogan that says “Real Possibilities” and that is what they provide to their customers. AARP is a nonprofit, nonpartisan, social welfare organization with a membership of nearly 38 million that are eager to help turn the goals and dreams of other people into… Real Possibilities. They also take part in strengthening the communities and fights for issues that matter to most families. Examples of issues are those related to health care, employment, and even income security and protection from financial abuse. AARP is a company that cares.


AARP HISTORY


 


This image is taken from AARP’s website. This is a photo of Dr. Ethel Percy Andrus, AARP’s beloved founder. She was a retired high school principal who founded the company in the year 1958. The first company she founded was called the National Retired Teachers Association or NRTA for short and it was from this association that AARP evolved from. The purpose of Dr. Andrus for establishing the NRTA was to promote her philosophy of productive aging and in response to the need of retired teachers’ health insurance. You see at that time, private health insurance was unavailable to older Americans.

 

The provision of health insurance coverage for people over the age of 65 years only began in the year 1965 when the government launched Medicare. It was a program responsible for giving health insurance to people over the age of 65 years. NRTA became a success! Thousands of people sent messages to the company inquiring about how to obtain an insurance and other NRTA benefits without being retired teachers. It was only after ten years passes that Dr. Andrus realized that the time had come to develop a new organization that would cater to all Americans, and that was how AARP was born. However, NRTA didn’t completely disappear, instead it became a division within the AARP.

 

Dr. Andrus didn’t stop there however. In the year 1963, she moved on to another project by establishing an international presence for AARP which she called as the Association for Retired Persons International or ARPI for short. ARPI was a success and she was able to put up offices in Lausanne, Switzerland and Washington, D.C. Sadly though, ARPI disbanded in the year 1969. It didn’t last long. AARP was still standing strong though. The company had continued to develop networks and form coalitions within the worldwide aging community, promoting the well-being of older persons internationally by making use of advocacy, education, and service.

 

Until today, AARP has grown and changed dramatically in response to pressures in the society but it will forever remain true to it’s principles and beliefs which are:

  • Promoting independence, dignity, and purpose for older adults
  • Enhancing the  quality of life for older persons
  • Encouraging older people to serve instead of being served.

 

AARP is a company that care deeply for the welfare of it’s customers or partners. They do their best to gather feedback from their customers through different modes of communication like surveys, public opinion polls, phone calls, emails, social media, and even face to face conversations. How a customer views them is very important to the and it helps them make decisions about their company. AARP focuses on making policies that reflect their member’s concern – yours  – which includes:

  • Financial security
  • Health Care
  • Long term care services and supports
  • communities where all can thrive
  • ensuring that democracy works better for all

 

If you want more information, don’t shy away from browsing our website Best Insurance Deals! There’s more to talk about AARP so subscribe to us so you won’t miss it! If you have questions, feel free to drop them below in the comment section! Have a great day!

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AARP Life Insurance Reviews

AARP Life Insurance Program

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AARP Life Insurance

Aviva Over 50 Life Insurance

Today we are going to be talking about Aviva’s Over 50 Life Insurance product and what it offers. It could be the life insurance coverage that you are looking for.  Life insurance is a great gift to your family if you are the breadwinner of your family or to make it simple, if you are the one who brings the biggest income. When you unexpectedly die, the life insurance company that you partnered with will step in and take care of your family by either paying for your funeral, giving them a large sum of money, or a monthly income. Whatever it was that you and the insurance company agreed upon. A life insurance can help replace your income with a non-taxable health benefit, reduce the financial burden of your family having to continue without you, put your kids (if you have some) through school, pay for the mortgage, car, and other debts that you leave behind, pay for your funeral expenses, and pay for your estate taxes. Now you loved ones will be able to mourn you properly without thinking about other problems.

 

If you are over the age of fifty or getting there, it’s not too late to purchase a life insurance. Aviva is a company that thinks of what is good for you. They are helping over 34 million customers to save for the future and manage the risks of everyday life. In fact, Aviva is the largest provider of pensions and life products in the United Kingdom. Now, let’s take about their OVER 50 Life Insurance.

 

Aviva’s Over 50 Life Insurance is sometimes called as the “Guaranteed Lifelong Protection Plan”. How does this work? This life insurance plan will be responsible for paying out the full sum assured if you die after the plan has been active or in force just for 12 months. If you died because of an accident after the first 12 months, the sum assured amount they will pay will be doubled. Sounds good? However, keep in mind that if you die – NOT because of an accident, you won’t be covered by the company. Instead the premiums you have already paid to them will be refunded to your estate. But, generally Aviva Over 50 is a good choice and here are some reasons why.

  • The company will pay you a guaranteed cash sum when you die
  • If you live in the United Kingdom and is aged 50 to 80, your application will be accepted. There are some companies who refused to insured people who are already over the age of 50 because the risk is higher.  But with Aviva, your acceptance is guaranteed.
  • Your premiums will stay between 7 to 50 Pounds a month. It won’t increased more than 50 Pounds.
  • You will be immediately covered if you die from an accident after the first 12 months, and the cash sum paid will be doubled. Note: AFTER the first 12 months.
  • Payment will stop when you reach the age of 90 years and you will be covered until you die. BUT if you stopped paying before you hit the age of 90 years old, your life cover would stop and no money will be paid out when you die.
  • No medical or health checks required.
  • You will be able to get multiple plans as long as your monthly premium is not more than 100 Pounds in total for all your plans.

 

REMEMBER:

If you die because of an accident within the first year or within the first 12 months, the company will pay the life insurance amount.

If you die within the first 12 months – NOT BECAUSE OF AN ACCIDENT – you are not covered. The premiums you paid will be refunded to your estate.

If you die  in an accident on the anniversary of your insurance or after the first 12 months, the company will pay the double amount of the life insurance.

If you die from other causes on or after your first 12 months, the company will pay you the life insurance amount.

 

What do you think? Are you interested in getting a Over 50 Life Insurance from Aviva? It is certainly a name that you can trust.

 

Don’t forget to subscribe to us here at Best Insurance Deals! If you have any questions or if you want to discuss something, feel free to leave a comment below or send us a message. We would love to hear from you. Hope this article helped you somehow! Happy Insurance Hunting!

More related information:

Aviva Life Insurance Company NEW YORK

Aviva Life Insurance Policy

Aviva Life Insurance Reviews

AVIVA Life Insurance Company

Aviva Life Insurance Reviews

Let us read some Aviva Life Insurance Reviews. By doing so, we can get to know a life insurance company more and somehow get an idea on how they deal with their customers. Don’t let a single good or bad review seal the deal for you though! Keep an open mind! If you have any questions, you can send us a message or talk to Aviva’s customer service at 1800-103-7766! Here are some reviews from their customers!


 

“I have life, car and house insurance with Aviva. I am very happy with their services and competitive pricing and also their speed of response to queries when contacting them about anything. Company is very professional and I am glad to be their customer. I would definitely recommend Aviva to everyone.” — ANTON KUCHAR


 

“I am sure looking at other reviews, I do believe they are spurious at best. An Aviva client went through our fence, December 6th, 2014 thankfully no one was outside at the time as they would have been seriously injured. We were asked to get two competitive quotes (fair enough!) we have been lied to (again today) with promised payment (work has been carried out which we have pud for ourselves). They wrote to us some weeks ago, after work which they had authorised to ask if we should share the cost. You can only imagine my response. They have today told me after telling me 2.5 weeks ago that a cheque is in the post that it could be authorised as they needed to get their customers admittance of guilt. Again fobbed off.

If anyone tells me they are with this company in any kind of accident they will be seriously out of pocket and I will take them to the claims court. I will not deal with them again, ever. YOU HAVE BEEN WARNED.” — SC


 

“I did my policy on line – but did contact customer service prior to my application – they were most helpful, polite and knowledgeful” — Galaxy5775


 

“This was an easy policy to purchase on line – many other insurers insist on a phone call. I didn’t feel under any pressure to purchase additional cover although it was available. It was quick and pain free, although a little pricey” — TREEHOUSE 


“Staff member on the phone was easy to talk through, explained things very clearly and was not pushy about a sale, they had customers best interest at heart which doesn’t happen in s lot of places. Excellent service that I would use again.” – GAV72


“Knowledge of some customer service advisors appears to be low resulting in a lot of wasted time and effort regarding a small claim for a mobile phone. Premium also went up extortionately after claim.” — ADAM SMITH


“I was very happy with how quick & easy it was to get insured. The paperwork arrived shortly after the start date & there was no problems at all. Very efficient.” — AMYG


“Avoid at all costs. Had a Whole Life assurance with them in excess of twenty years. That was my biggest mistake, I should have canceled when they took over Norwich Union.” — JOHN


“Easy to set up Life Insurance on-line and my quearies were dealt with very quick when I rang them” — LJJ2012


“To be honest i still can’t review this insurance because i don’t know if i finaly have it or not. Couple months back i was told you were waiting for the doctors records. but i had to call myself to find out. No one contact me to inform me how my application is being processed and i still don’t know if everything is finalized and if im insured or not. No one informs me about anything.” — MALE


What do you think of Aviva after reading all those reviews? It’s a bit confusing isn’t it? Would you still be getting a life insurance at Aviva? Personally, I think they are a great company, but the decision is yours.

Don’t forget to subscribe to us so you won’t miss a post here at Best Insurance Deals! If you have a question, feel free to drop a comment below or send us a message. Have a great day!

More related information:

Aviva Over 50 Life Insurance

Aviva Life Insurance Company NEW YORK

Aviva Life Insurance Policy

AVIVA Life Insurance Company

Aviva Life Insurance Policy

Let us talk more on Aviva’s Life Insurance Policy. When we say insurance policy, we are referring to the document that details the terms and conditions of a contract insurance between the insured and the insurer. In a way, the insurance policy will work as a legal evidence of the insurance agreement. It will also put some sort of indemnity cover into effect, and it will set out the exact terms on which the indemnity cover has been provided. In an insurance policy, you will find the associated information that you need to know about like the specific risks and perils covered by the insurance company, duration of the coverage, amount of premium you will have to pay, mode of premium payment, and any deductibles. Don’t lose your insurance policy contract. I’m sure you can get another one from the company you partnered with, but it would be better if you have the insurance policy when you need it right.

 

Let us go deeper into the Life Insurance of Aviva. Life Insurance policy is an insurance contract. In exchange for protection and coverage, the insured will pay regular premiums to the insurance company. In your insurance policy, you will find there that the company will pay an agreed lump sum of money if one of the lives covered by the insurance policy dies within the term agreed upon. It is important that you know that there is no cash-in value for this type of insurance. If you don’t die within the agreed duration or you stop paying your premiums, you will get nothing back.

 

Some of Aviva’s life insurance policy includes a terminal illness benefit. It means that the policy will pay out if you are diagnosed with a terminal illness within the policy term that meats their policy definition. And if you aren’t expected to live for more than 12 months. The policy will only pay out ONCE so if they have paid a successful claim, your policy will then cease.

 

Here are some life cover that you will choose from with Aviva.

  • LIFE INSURANCE PLANThis will help you give your loved ones some financial security and some help when it comes to covering your mortgage if you die.
  • CRITICAL ILLNESS PLANThe insurance company will pay out if you are diagnosed with a critical illness that is defined in their policy.
  • LIFE INSURANCE + CRITICAL ILLNESS PLANIf you want both products at the same time, it is possible. You can apply for both at the same time, but the insurance company will have to give you two separate insurance policies. If there is a claim made on the Critical Illness Plan, the Life Insurance Plan will not be affected. The amount of cover can vary though. There is no need for you to choose the same level of cover for each policy. It is completely up to you.
  • OVER 50 Life InsuranceIf you are over 50 years of age, then you may want to purchase this life cover. With this, you are guaranteed a sum of money for your loved ones. If you want to learn more about this, please click here.
  • INCOME PROTECTION OPTIONSThis will help your family pay for the bills if you are sick or injured and cannot go to work.
  • FREE PARENT LIFE COVERAviva will give each parent a 15,000 Pound life cover for one year. It will be free if you have a child under the age of 4.

If you have questions, you can call Aviva at 0800 206 2052.

 

Don’t forget to subscribe to us here at Best Insurance Deals so you won’t miss a post. You can leave a comment or send us a message below if you want to talk to us. Have a great day!

More related information:

Aviva Over 50 Life Insurance

Aviva Life Insurance Company NEW YORK

Aviva Life Insurance Reviews

AVIVA Life Insurance Company

Aviva Life Insurance Company NEW YORK

The largest life insurance company in the United Kingdom – Aviva Life Insurance Company – has invaded the state of New York. You can find their office at 324 South Service Road, Suite 200, Melville NY. The ZIP code is 11747. The Aviva company was confident enough to spread their influence from UK to America. They have been serving their UK customers for over 300 years that they felt that it was time to bring their insurance experience to the UK market. Today, Aviva has nearly a million customers in the United States. For sure, Aviva is a company that you can count on to put you first. You can call them at 800-252-4467!

 

On October 2, 2013, Athene Holding Ltd managed to acquire Aviva USA Corporation and it’s subsidiaries which includes the Iowa-domiciled Aviva Life and Annuity Compnay and also the one in New York- domiciled Aviva Life and Annuity Company of New York. Before Athene took it. Aviva Life and Annuity Company of New York operated as a financial service company that offered insurance and financial products. But even before it was known as the Aviva life, it was known as the Bankers Life Insurance Company Of New York. As I said, it has been purchased by Athene so let’s take a look at what they are offering now.

 

Athene Holding LTD is a company that is being driven to do more and is never satisfied with the status quo. They believe in drive, discipline, confidence, focus, and commitment. Unlike Aviva, they are mostly focused on retirement savings products. Their goal is to be the best – not the biggest – when it comes to being a retirement savings company. But actually it was Global Atlantic who managed to take Aviva’s life insurance business out and relaunch it as Accordia Life. Now it is based in Des Moines Iowa, Accordia Life aims to be successful by delivering competitive life insurance solutions through it’s network of seasoned distribution partners and life insurance professionals. The group was led by Mike Miller.

 

Accordia Life overs a wide variety of products to choose from like indexed universal life, universal life and term insurance all over the United States. Let us talk more about each of them.

  • INDEXED UNIVERSAL LIFEThis insurance plan will function like other universal life policies through the provision of a death benefit and a potential for cash accumulation. With this, you will be able to successfully protect loved ones, supplement retirement income, and help leave money to your children and grandchildren. The different of this plan with the normal universal life is the way the interest is calculated and when it is credited to your policy.

    You will also be getting tax deferral benefits, a guaranteed minimum interest rate, and a fixed rate crediting option.

  • UNIVERSAL LIFEThis life insurance plan can help you protect your loved ones, plan for your future, and leave a lasting legacy for your family. Your family will be receiving a tax-free income and death benefits. This will happen when you die. However, while you are still alive, you have the option to access the cash.

    You will have a permanent protection that doesn’t expire. You will also enjoy flexible premium payment options and flexible payout options to beneficiaries. This is great for transferring wealth to loved ones. It builds cash value that you can access for your lifetime needs. There is also a guaranteed minimum interest rate.

  • TERM LIFEThis will be able to provide a affordable coverage for an agreed period of time. It’s primary purpose would be to replace the income or help payoff an outstanding dept if the insured dies within the agreed period of time.

    Your family will receive maximum benefit for a level premium that is guaranteed for a stated time period. The benefit proceeds can be used for needs that includes loss of income, debts, and funeral expenses. This is a cost effective solution for individuals who cannot afford a permanent insurance.

 

What do you think? Tell us your thoughts in the comment section below!

 

Don’t forget to subscribe to us here at Best Insurance Deals! Have a great day!

More related information:

Aviva Over 50 Life Insurance

Aviva Life Insurance Policy

Aviva Life Insurance Reviews

AVIVA Life Insurance Company

Max Life Insurance Policies

If you are new to the insurance field, you may find insurance policies to be a little disorienting, but today, we are going to us Max Life Insurance to learn more about life insurance policies available out there. We chose Max Life because they are currently the largest life insurer among privately held non-banking companies in the country of India. But first, let us define the term ‘Insurance Policy’. Whenever we say, insurance policy we are referring to the documents that detail the terms and conditions of a contract of insurance. You may think of this as a proof of your purchase. This is a written agreement between the insurer (in this case, Max Life Insurance) and the insured or the policy holder (this is you). This document will help determine the claims which the insurer is legally required to pay.

Here are some FAQ for Max Life Insurance Policy that you may find helpful.

 


 

What types of riders are available with Max Life Insurance Policies?

There are four riders available under Max Life’s product portfolio which are:

  • Personal Accident Benefit Rider which is responsible for paying out a benefit in case of an unfortunate event of death caused by an accident.
  • Accidental Death Rider Benefit will be responsible for a benefit pay-out in the unfortunate event of death by accident.
  • Dreaded Disease/Critical Illness Rider will be responsible for providing a benefit pay-out in case the policy holder contracts any of the critical illnesses mentioned in the rider document or during a surgery.
  • Waiver of Premium Rider Benefit will be in effect in case the policyholder dies or is rendered disabled due to an accident. The premiums will be waived off.

 


Can I change the premium paying mode in my Max Life Insurance Policy?

Yes, but only on policy anniversaries for active policies. You will need to sign a form and submit it.


 

How do I change the nomination or nominee in my Max Life Insurance policy?

You must fill out a policy amendment request form and submit it to your nearest Max Life branch office.


 

What are the different premium payment options available with Max Life Insurance Policies?

You can pay for your policy through online, phone payments, auto debit facilities, and other modes of payment. You may ask a Max Life insurance agent about it.


Can a loan be taken from a Max Life Insurance Policy?

Yes, a loan can be taken out against your Max Life Insurance Policy if the policy has acquired a case surrender value. The load against the policy can be availed for up to 90% of this value, subject to a minimum availability of Rs. 10,000. Loans can be taken after 3 policy years have been completed on active policies. However, keep in mind that loans cannot be taken for policies in the grace period.

Note: There is no loan available for Max Life Term Plans and Life Marker Unit Linked Plan.


 

Alright, we hope that was helpful to you. Now if you have encountered an accident, you will need to file a claim. This is different from your policy, but you will need to have an idea about what compromises your policy. Don’t worry, it is easy to file a claim at Max Life. They have made it their mission to be the fairest, fastest, and friendliest when it comes to claims processing so if you have forgotten the inclusions of your insurance policies, you can ask your insurance agent about it.

 

To register a claim you will need the following:

  • Original Policy Documents (so don’t lose them!)
  • Original or attested copy of the death certificate issued by the local municipal authority
  • Death claim application form (form A)
  • NEFT Mandate form attested by bank authorities along with cancelled cheque or bank account passbook.
  • Nominee’s photo identity proof like copy of passport, PAN card, voter identity card, Aadhar (UID) card etc.

Don’t forget to subscribe to us here at Best Insurance Deals! If you have further questions, you may talk to your insurance agent about it but you may also send us a message here or leave a comment below. Have a fantastic week!

More related information:

Max Life Insurance Reviews

Max Life Insurance Online

Max Life Insurance India

Max Life Insurance

Max Life Insurance Reviews

If you are looking for some legit customer reviews for Max Life Insurance, then your search has ended. Today we have gathered some of the most honest reviews about the company. Just a word of advice though, don’t let one bad review seal the deal about your decision for a certain company. Or let a good review seal the deal. It would be best to keep an open mind while you are reading. Experience is the greatest teacher, but it doesn’t have to really be your experience right? If you feel confused to doubtful because of a review, it would be best to talk to someone about the review. You can drop us a comment below or send us a message. We would love to help out! Anyway, here are some reviews we have found.


 

“I had applied for the policy on persuasion of the MaxLife Agent(Mr. Gaurav Jain, MaxLife Nagpur). First of all instead of one policy he splitted into two for showing numbers so that he gets more commission.

Secondly and most important – when I received my policy documents, I found that my signatures were copied/forged. On seeing this I called up the agent immediately and asked why did he do this. He said – Sir, you should not worry. We do this for all who do not belong to same city where we are. He accepted his fault and tried to suppress it.

I immediately asked for policy cancellation and full refund. He denied the full refund and said that you would get amount after certain deductions. I raised this issue to the head of the branch(Mr. Manish Nath – Maxlife Nagpur). I followed with all of these guys to get a full refund but no one confirmed. At the end, I tweeted Maxlife and on FB too. Then they came into action and in the fear offered me complete refund and action.

I got my refund but I asked them for compensation of my loss. I have put in lot of time following this, went through stress and lost my peace for months. They did not come back on this and neither did they take any action on concerned officers. I demand compensation for my loss and request people to avoid taking any policies from MaxLife Insurance.” – Anupkes


 

“HI Support Team,

My policy number is 701059093 -ULIP balanced fund .I have raised multiple follow up complaints on customer care support in regards to my policy -Complaint number 16257146 .Each time they assured that resolution will be done .The provided resolution as money will be refunded exceptionally on my request and will be sent in form of cheque in 7working days .The request was to not allocate money deducted from my account as ECS towards my fund and instead refund it as I didnt get any communication of ECS deduction before deduction date 8-Jan-2016 .on Feb -5 representative confirmed that the money is not allocated and is in process of refund and I should wait for 7 working days to get cheque complaint number 16390605 was given for that .Today when I called to know status of my request it was mentioned that the refund may not be possible as funds are allocated already .However after discussion he asked me to wait for call back .It’s been almost a month I am struggling to get my own hard earned money and Max life insurance is just not resolving my query .I will not be recommending Max life insurance products hence forth .Please suggest if you can help me on this reqards

Suchit” – Suchit Kulkarni


“Earlier it was like Max Newyork life and now it is Max life insurance. It is a market based policy and after ten years they give the amount. Also they give accidental coverage of 10 lakhs. If anything happens they give coverage. They gave some benefits in the year of 2008 while taking the life insurance. It is a market based so I will not refer.”  – Ashok Chan

 

 


“One of the known persons is there at the Max Life and simply took from his guidance the life insurance. Yearly I pay 8k and benefits are plenty. During accident and in health it would help. After my age of 60 I get something per month. Return ratio is about 3lakhs. They called for assistance and also sending letters stating the insurance details.” – Kdevender


MAX life has the mind blowing insurance plan . I have taken a plan for the tenure of 20 years but the paying term of just 6 years. After the maturity will get the lump sum amount with bonus. Risk coverage is also good. Premium charged are nominal.” – Shibalal T.




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More related information:

Max Life Insurance Policies

Max Life Insurance Online

Max Life Insurance India

Max Life Insurance