Senior Care USA Life Insurance

Senior Care USA Life Insurance

Offers whole life policies from top-rated life insurance companies but lacks a personalized broker and customer service experience.

Good for

  • Whole and burial life insurance
  • Policies backed by top-rated life insurance companies

Bad for

  • Term life insurance policies
  • Broker fees
  • Customer service

Editor's Rating

3.0/5.0

Find the Cheapest Life Insurance Quotes in Your Area

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Senior Care Life is a life insurance agency that can help shoppers compare and purchase whole life insurance from its affiliate network. The company is not a life insurance provider and does not underwrite the insurance policy for you. The company specializes only in whole life insurance and does not offer term life policies. Customer reviews for Senior Care Life are average, with some customers filing complaints.

Senior Care Life insurance products and services

Senior Care Life employs licensed life insurance agents who will aid you in finding a life insurance policy offered by a variety of life insurance companies. This includes whole and burial life insurance products underwritten by some of the largest life insurers in the industry, including Mutual of Omaha or Gerber Life Insurance.

Quotes and applications for a life insurance policy can be completed online or over the phone. During this process, you could be asked medical questions depending on your age and the type of policy that you have selected.

After the Senior Care Life broker has received the application, they will begin the process of reaching out to its affiliated insurance companies and acquiring quotes for you. This can save you time by not having to fill out multiple applications yourself for many different companies. Furthermore, by working with a broker, you may be able to get one of the cheapest life insurance quotes available as they will show you rates from multiple insurance companies. However, you would also incur broker fees while purchasing the life insurance policy.

Whole life insurance

Senior Care Life only offers permanent life insurance policies. One of Senior Care Life's main product offerings is whole life insurance, which provides lifelong insurance coverage and can be purchased by people from the ages of one to 85. For younger applicants between one and 49 years old, standard whole life insurance policies are available, which offer over $1 million in death benefit coverage but would require a medical examination.

Burial life insurance

The brokerage firm mainly targets senior whole life insurance coverage, which usually has smaller death benefits with coverage between $2,000 and $25,000. This type of policy will usually only be offered for applicants between 50 and 85 years old. Also known as burial life insurance, this is a whole life insurance policy designed to pay for after-life expenses like a funeral or outstanding debts. Furthermore, burial insurance can be issued on a guaranteed basis if you qualify. This means that the insurer will not require a medical exam and you cannot be denied coverage due to a health issue.

Senior Care Life insurance affiliates

Senior Care Life will not directly underwrite your life insurance policy. Instead, if you decide to work with a Senior Care Life broker, the company will collect your information and then go to its affiliate life insurance companies and obtain quotes based upon your profile. This enables you to compare life insurance quotes from many different providers. Senior Care Life works with some of the largest and financially strongest whole life insurance companies such as Mutual of Omaha, AIG and Gerber. Below are the policy details for a guaranteed whole life insurance policy from these providers. This will provide you with a sense of some of the policies offered.

Senior Care Life insurance affiliate rates

Mutual of OmahaAIGGerber
Age restrictions45-8550-8550-80
Minimum coverage$2,000$5,000$5,000
Maximum coverage$25,000$25,000$25,000
Waiting period2 years2 years2 years

Mutual of Omaha

Mutual of Omaha is a life insurance provider that only offers permanent life insurance policies. A very reputable company, Mutual of Omaha has competitive quotes for its guaranteed whole life insurance product. Furthermore, you can even get a quote for this product online through its life insurance quote calculator.

Mutual of Omaha rates

CoveragePremium
$5,000$28.00
$10,000$55.00
$15,000$82.00
$20,000$109.00
$25,000$136.00
Life insurance rates are based on a male applicant who is 35 years old. The sample policy and quotes are for a guaranteed whole life policy.

AIG

AIG is one of the biggest life insurers in the world with over 90 million total lives covered. The insurer has an A.M. Best rating of A (excellent), meaning the company is financially strong and has the ability to pay out any claims. However, AIG is not well known for its customer service and satisfaction. AIG has a complaint ratio of 2.37, which is significantly higher than many competitor life insurance companies. The company has many life insurance policies available.

Policies offered by AIG

  • Term life insurance
  • Guaranteed issue whole life insurance
  • Universal life insurance
  • Variable life insurance

Gerber Life Insurance

Gerber Life Insurance has a wide variety of life insurance products. Best known for the Gerber Grow-Up Plan for children, the company also has whole life insurance products with good rates for seniors and adults. Furthermore, Gerber has few underwriting requirements, which means even if you have health issues, you would still be able to qualify for a life insurance policy. As with other guaranteed whole life insurance offered through Mutual of Omaha and AIG, the Gerber plan has a 2-year waiting period. This means that you wouldn't receive the full death benefit if you were to pass away for any reason other than an accident during the first two years of the policy.

Gerber Life Insurance rates

CoveragePremium
$5,000$22.50
$10,000$44.09
$15,000$65.68
$20,000$87.27
$25,000$108.86
Life insurance rates are based on a male applicant who is 35 years old. The sample policy and quotes are for a guaranteed whole life policy.

Senior Care Life customer reviews and complaints

Senior Care Life has received mixed consumer reviews and currently has a Better Business Bureau (BBB) rating of B+. This means that Senior Care Life is aware of customer complaints but has failed at least once to respond to an outstanding complaint that was filed. The complaint filed outlined a customer that constantly received offer calls from Senior Care Life even after telling the company that they were not interested in a life insurance policy.

The insurance broker is headquartered in Pembroke Pines, Florida. Senior Care Life does have over-the-phone customer service and application process, but the company is only based in one state making face-to-face meetings with your broker difficult. This can be a deciding factor for many people who would rather develop a personal relationship with their insurance broker or have very specific policy requests.

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