Equitrust life insurance was founded in 1974, and it has been delivering premium protection ever since. For over four decades this company has been committed to providing peace of mind for all our customers through smart, simple, and affordable solutions to their life insurance needs. Whether you’re a first-time buyer or a longtime customer with a complex situation, they have a solution to fit your needs.
What is Equitrust life insurance?
You might find it interesting to know that this company is backed by over $1 billion in assets. Its history as an independent agency enables them to offer a unique approach to each customer. They believe in proactive planning, and they focus on getting the most out of every dollar spent. This means that you get a customized approach that addresses your specific financial needs and surpasses your expectations.
In addition, their service ethic ensures that you receive first-rate service from start to finish. They are committed to providing outstanding service from the initial sale through any additional needs you may have throughout your life cycle. In the event of a claim, they’ll guide you through the process while keeping a close eye on your interests. Their expertise ensures that all claims are settled with integrity and honesty.
This company has always been upfront with their customers in regards to rates, so there are no hidden fees and no surprises. They also offer detailed quotes for insurance policies before binding them and will explain how it is determined. They’re proud of their policy limits, which are in accordance with the state regulators for most states.
What does Equitrust insurance offer?
This company offers term life policies that fit different needs and life situations. They specialize in providing riders to fit any situation a customer might have, whether it’s add-ons for some conditions or a rider for a larger policy. They provide options that are tailored to meet your needs and satisfy your budget.
Other services offered by this company include accidental death and dismemberment, disability income benefits, cell phone protection, and cancer coverage. They also offer a variety of other insurance solutions such as wills, business insurance, credit card protection, health insurance issues, and much more!
All the agents in their offices are licensed to sell life insurance independently and can make recommendations based on their own experience. They pride themselves on their professionalism with polite follow-up service and great personal service to all their clients.
This company is accredited by the BBB and rated an A+ rating. They have been awarded a “Superior” rating by A.M. Best Co., which is the highest possible rating that can be given at their level, and they’re also licensed in all 50 states.
Here are some of the ways that Equitrust life insurance can help to suit your needs –
– Simple and Affordable Solutions
Their solutions are simple, yet they offer a quality service at an affordable price. They provide options to meet the needs of individuals or families, and if you have any questions or concerns, their representatives will be happy to answer them. You’ll receive first-rate service from start to finish.
They offer competitive premiums for a policy that meets your specific needs. Whatever your budget limitations are, they will provide an option for you from among the choices currently available on the market that fits comfortably within those limitations.
They have experts who can help you find what’s best for you, and their representatives will guide you through the process. When it’s time to sell, they’ll help to guide you through the process of choosing a company and provide personalized service throughout the end of your policy.
They’re committed to providing impartial advice on all policies that they offer. They will provide thorough financial information so that you can fully understand the options, and their representatives will guide you toward an option that fits your budget and necessary coverage.
You’ll receive the best possible value for your premium dollar with the most comprehensive level of coverage in accordance with state laws.
You’ll receive personalized service from start to finish. They will take the first step for their clients, and they’re dedicate to providing top-notch service throughout your whole experience. They’re proud of their service, and they will be committ to keeping you informed throughout your entire policy.
What are the types of Equitrust insurance policies that are available?
There are a variety of Equitrust life insurance policies to fit different needs and circumstances. They can help you protect the ones you love, including:
Term Life Insurance
This type of policy allows individuals to build up a “cash value” that they can use as a lump sum or as an income stream. It’s generally offer at rates below those for whole or universal life insurance coverage, but it has benefits that make it fit for certain needs.
This policy is a variation of universal life that covers multiple family members for the price of one. It’s a term insurance plan that differs from other policies due to how it works.
For those who want a level of protection, this policy offers the best coverage for about the same cost as term life insurance.
The benefits offered by this policy include guaranteed death benefits and guaranteed income benefits, which protect you and your loved ones. However, it’s important to understand that there are limitations on these benefits overall compare to whole or universal life insurance options.
This rider allows you to apply for a life insurance policy without having to complete an underwriting process. It’s available on whole life and term policies, and it provides guaranteed level premiums that won’t change.
This rider provides guaranteed interest to the policy’s cash value. It’s important to understand that this is different from a traditional policy, and payments are made to the cash value, which is a type of savings account.
How much does Equitrust insurance cost?
The cost for Equitrust life insurance will depend on your age, health status, and the type of coverage that you need. They offer several levels of coverage, and as with most things, you get what you pay for. However, the costs can vary widely depending on the policy that you choose.
What factors influence the cost of life insurance?
The prices for Equitrust life insurance policies can vary widely based on a number of factors:
Although your age alone won’t determine your premiums, it will play a role in helping to determine them. Younger people will pay less than older people due to a lack of health issues that are common with aging. Oftentimes, younger individuals can qualify for a much more comprehensive policy when they might not have qualified in the past due to their ages or other issues.
Women tend to be charge more for life insurance policies, although it depends on the company that you choose. Women tend to live longer than men, which means that they’ll pay premiums for the same level of coverage during a longer period of time.
Your health status and medical history
Your health will play a role in determining your premiums. And those who have existing conditions or ongoing illnesses will often cost more to insure. However, you can also qualify for a policy at much lower rates. If you’re in good health with no ongoing medical issues, especially if you’re young.
People who work for high-risk industries, such as construction and manufacturing, will often pay higher rates for life insurance policies. However, there are many options available within those industries that will provide similar coverage at a lower cost.
It’s important to keep in mind that everyone’s situation is different. Therefore, life insurance needs will vary from individual to individual. However, in most instances, you’ll be able to find an Equitrust insurance policy. Therefore, with a variety of benefits at an affordable price. The company is committ to providing the best possible service throughout your experience with them. So that you can make an informed decision about your specific needs.