Is Freedom Life Insurance Good

Found 15 Of Over 15 Reviews

Not bad, competitive nature, good money

Cons

A lot of pressure if you have poor results

Good commission structure at times but changed often, not for the better

Cons

Terrible and toxic sales culture lead to the company being taken to the royal commission and the whole department being made redundant

good comms to be earnt

Cons

Bad product to be selling

Great Earning PotentialGreat EnvironmentNo Dress Code

Cons

Awful ManagementVery Poor CommunicationManagement Lies to you

Fun environment, good training in place, decent base pay, nice people to work with

Cons

Unrealistic targets for KPIs and to get commission, difficult job

– Uncapped earning potential

Cons

– Rampant nepotism- Inconsistent standards of quality assurance- Overly aggressive sales culture- Breaks timed by the hour- Resistance from management to convert staff into FT unless legally required

Good salary, options for overtime, excellent commissions

Cons

Can be frustrating, like any other sales role

The money you can earn is endless

Cons

I feel that the people earning money weren’t that compliant

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What Does Health Insurance Cover

Typically, a private health insurance policy will cover the cost of private medical treatment for acute medical conditions. That said, exclusions may apply . Heres what a private health insurance policy could cover, depending on the policy type and the optional benefits chosen:

• Inpatient and day-patient treatment
• Mental health care
• Alternative therapies

Why not take a look at our private health insurance policy documents to see whats covered by each of our Freedom Health Insurance policies?

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How Does Private Health Insurance Work

All you need to do is choose the right health insurance policy for you and decide whether you would like to pay monthly or annually.

If you become ill or suffer from an acute condition, you should visit your GP who will be able to refer you to a specialist for diagnosis or for further tests. At this stage, you need to get in touch with your health insurance provider if you want to get private medical treatment under your health insurance plan.

Freedom Life Insurance Review 2020

Home » Freedom Life Insurance Review 2020

Freedom Life Insurance was founded in 1956. Theyve been serving customers for over fifty years. They are located in Fort Worth, TX.

Freedom Life insurance is a subsidiary of U.S. Health Group, which is a broker of group health insurance plans.

Freedom Life Insurance is pretty small, capturing only .01% of the market share or with ~$1.1M in direct premium of individual life insurance.

• Who is Freedom Life Insurance For?

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I Have Not Signed For A Policy Yet

I have not signed for a policy yet. I keep receiving calls from US Health, when I advise the caller they disconnect immediately. I am having difficulty with the person that is currently helping me. I asked for certain info and all he sent was his license. Not cool After speaking to him, I advised that I was still researching, and asked that he email me some info. Nope. I had to ask him 3 days later. It was like because I was not going to buy that day, he did not want to talk to me. Again, not cool

Reply from USHEALTH Group

What Affects My Rate With Freedom Life

The cost of term life insurance, as well as the cost of other types of insurance, is determined by a range of variables. Among these factors are the following:

• As you age, both your general health and body mass index tend to deteriorate.
• Recreational interests that have the potential to develop into a lethal obsession are forbidden on the job.
• Additional advantages or characteristics not mentioned previously

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Freedom Of Health Locations

Freedom Health Inc. makes its home in Tampa, Florida.

Freedom HealthTampa, FL 33684Phone: 401-2740

Freedom Health also maintains what they refer to as concierge offices where customers can go for information and help in managing their policies. There are seven such offices throughout the state located in:

• Spring Hill
• Fort Myers
• Vero Beach.

Their website provides directions and maps for each of the sites to help customers find them more easily.

The Freedom Life Insurance Review Final Verdict

Is Freedom Life Insurance right for you?It really all depends on your situation.

If you are looking for more than a 10 year renewable term policy , the Freedom is not the carrier for you.

If you have notable health impairment, you will likely be better suited by shopping around on the open market where it is convenient to make apples to apple comparisons.

Moreover, having the use of an independent expert who can send your application to a carrier that is likely to view you in the best possible light has value that Freedom Life Insurance can’t offer.

However, if you happy with other services being being provided by Freedom Life , it may be convenient to keep things “in house”.

Thank you for choosing the Life Insurance Help Desk to shop for life insurance.

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Customer Satisfaction Rating Of Freedom Life Insurance

The National Association of Insurance Commissioners gives every insurance company a ratio between 0.0 and 2.0. The median amount of complaints is 1.0, meaning a company has the number of complaints you would expect for a company their size.

NAIC gives Freedom Life Insurance Company of America a ratio of 0.0, meaning there were no complaints lodged with the NAIC, at least as far as their life insurance goes.

For Group Accident and Health insurance, their ratio is .77, and for Individual Accident and Health insurance they earn a ratio of 1.82.

Freedom Life Insurance Review

Freedom Life Insurance has its main focus on providing customers with a highly simplified policy coverage plan. Overall, its offerings work well if you are only in need of coverage for a short-term period, but if you are after a standard all-encompassing policy, they may fall far short of your expectations.

Nonetheless, as you will get to know reading this review further, their products do include features that you will rarely find with other insurers.

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Life Insurance Coverage Types

As a micro-insurer, Freedom Life Insurance carries a very limited product line. The only life insurance types currently on offer are as followed:

LifeProtector Term Life

This plan offers its policyholders a pre-set death benefit for a renewable 10-year term and features level premiums, meaning your payments are guaranteed to remain the same throughout the contract.

The plan will provide protection in the case of unforeseen death for most basic obligations such as a mortgage, car payments, or educational expenses. In most instances, the insurance benefits are free from any tax obligations. It is important to note that since suicide and cancer arent considered unforeseen death they may not be covered.

IncomeProtector

This plan is meant to help you keep your financial well-being intact while you suffer from a short-term disability arising from accidental bodily injuries. It replaces your income from three to up to twelve months. You can choose your elimination period between 14 to 30 days, and the max payout received can total $1500 a month.

MedGuard

This freedom life health insurance is a plan that provides you with a lump-sum benefit payment in the event you become critically ill. It is meant to offset any pocket expenses that may arise from your healthcare treatment. You are allowed to spend the money any way you want.

Accident Protector

Requirements

Freedom Life Insurance Company Rates

Freedom Life Insurance Company company markets it’s products directly both though Freedom Life Insurance agents and independents.

Because Freedom Life Insurance LifeProtector is not carried by independents at this time , you will need to go to the the USHealth Group web site and contact an agent to get a quote.

You may need to set up an appointment through a representative as there is no online quote path.

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Why Choose Freedom Health Insurance

Everything we do here at Freedom Health Insurance is about making things simpler, so you can make the most of what matters to you. Whether youre looking for individual, family or business health insurance, we offer a range of features and benefits that set us apart from other health insurance companies.

Tiffiney Steen In The Upgrade

Tiffiney Steen in the upgrade department is PHENOMENAL!!!! She genuinely cares about everyone she talks to, whether it be a client/patient, or any of the agents and advisors needing her assistance. She goes above and beyond to make sure everyone has the best experience possible, answers questions in detail, and has a heart of gold. It is a pleasure to work along side her and I know my clients will be well taken care of!

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What Is Health Insurance

Health insurance is a type of insurance which covers private medical expenses for acute conditions that arise after the start of the policy. An acute medical condition is a disease, illness or injury that is likely to respond quickly to treatment.

Find out more about health insurance and what it covers.

Dont Waste Your Money

The policies are incredibly overpriced for what they are. I did sign up so that is mistake. This company finds every trick in the book to avoid paying for your medical bills. If you enjoy doing pointless paperwork every time you go to the doctor than this company is great for you.

Reply from USHEALTH Group

Courtney, We apologize for the frustration, and would like to speak with you, we will have a team member reach out to you shortly.

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The Advantage Of An Independent Agency Working For You

What makes our agency different?

• We represent multiple insurance companies.
• We are licensed insurance advisors.
• We are by your side every step of the way.
• We offer a wide variety of insurance solutions.
• We are there for you in your time of need.

The Solution To Your Insurance Needs

Providing a variety of personal insurance and business insurance solutions is what Freedom Insurance Agency does best.

Compare your coverage with your current needs.

More About Freedom Life

Freedom Life Insurance Company of America is a subsidiary and underwriter for USHEALTH Group. The group of companies focuses on individual healthcare, supplemental healthcare and life insurance policies, including for small businesses, families and self-employed people. The companies have helped 15 million customers and served in the industry for over 50 years.

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Having Taken Freedom Healthnet To An Fos Complaint For

Written on: 09/11/2010 byBetty Bax

Having taken Freedom Healthnet to an FOS complaint for a licensed drug and had it upheld they are now with holding payment for the subsequent operation on the basis that they need to check that the procedure was actually carried out – this is not in their policy as they are committed to payout on completion of the form completed by the consultant/surgeon on the information provided and accepted by them I had accepted that there would probably be a shortfall but that was aways myRead Full Review

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What Do The Experts Say About Freedom Health Insurance

Health Insurance Magazine has awarded Freedoms health insurance product 8/10 in 2011, while industry body Defaqto has given it 4 out of 5 stars for its Elite policy, 3 stars for it’s Your Choice Diamond Plus policy, and 1 star for its other Your Choice policies. Freedom was also recommended by The Daily Telegraph in 2013 as an alternative to the big four health insurers.

This article was written by Bought By Many. We were not paid to write it but we will receive commission if clicking on a link to one of the named insurers results in a reader taking out a policy with that insurer. We also charge for advertising space so a particular insurer may be highlighted in the article and, where insurers are listed, it can dictate where they appear in the list.

Ease Of Buying And Claims Handling

Buying insurance from the company is a relatively fast and straightforward process. You simply need to fill out a short quote form on their website and then wait for an agent to call you. They will ask a few questions and then provide you with a quote. If you accept, you will need to fill out some additional information, review your policy document, and proceed with the payment.

Claims can be filed by either calling their customer representative on the phone or by logging into the customer portal on the website and filling out the freedom life insurance claim form. Benefits are usually paid within the first 30 days after your claim is filed.

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Compare Freedom Life Insurance Vs New York Life Insurance

Freedom Life Insurance only offers one type of life insurance whereas New York Life offers term, universal, variable, and whole life insurance products. It also offers long-term care and retirement income options. Like Freedom Life, New York Life only provides quotes through a registered agent. With fully underwritten life insurance products, New York Life can offer competitive rates based on the applicants health history and mortality risk, compared to Freedom Lifes no exam policy with general rates based on age and coverage amount.

Freedom Health Insurance Company

Freedom Health Inc. is a niche healthcare company offering Medicare Advantage policies to seniors in the state of Florida. The Tampa-based company is certified as a qualified Medicaid and Medicare Advantage provider under federal guidelines set forth by the Department of Health and Human Services. Freedom Health only operates within the state of Florida.

Online health insurance quotes are currently available by simply entering your zip code into our search tool below.

Because Freedom Health only deals in Medicaid and Medicare policies, all of their products are offered in conjunction with an existing Medicare or Medicaid contract. In other words, in order to qualify for a Freedom Health plan an individual must already be covered under Medicare Part A and Part B, or a Medicaid policy. The coverage offered by Freedom Health is a supplemental coverage provided in conjunction with existing government health insurance policies.

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Freedom Life Reviews: What People Are Saying

Neither Freedom Life nor its parent company, USHealth Group, are rated by J.D. Power, and customer reviews for Freedom Life are scarce. However, USHealth Group is rated A+ by the Better Business Bureau and Freedom Life is rated A- by AM Best. Additionally, Freedom Life has received better ratings than all other USHealth subsidiaries. This suggests that while it may not be among the giant providers in the industry, Freedom Life is indeed financially solvent.

Lifeprotector Level Term Life Insurance

Freedom Life doesnt offer any form of permanent life insurance or any policy that builds cash value. The only form of coverage it offers is LifeProtector, a 10-year term policy with a guaranteed level premium thats renewable up to age 70.

In most cases, a term life insurance policy is simply a guaranteed death benefit. If you are the main breadwinner of your household, a term life insurance policy can help your loved ones or dependents cover financial responsibilities they may be left with in the event of your death .

Because LifeProtector is a level term policy, the premium cost remains the same throughout the allotted 10-year term. Freedom Life limits monthly premiums between $10 to $50 per month and customizes the amount of coverage available for each premium amount.

Freedom Life does not offer any form of care riders, and there is no option for an accelerated death benefit.

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What Is The Cost Of A Term Life Policy With Freedom Life Insurance Company

Freedom Life term life insurance rates range from just $10, in $5 increments, up to $50 per month.

Although we dont have costs from Freedom Life, we can give you a comparison to see how your quote stacks up.

This table shows you the average monthly cost of a 10-year term life insurance policy worth $100,000 from Transamerica. Compare these numbers with the quote you receive from Freedom Life.

Transamerica Average Monthly Term Life Insurance Rates for a 10-Year Term Life Policy for $100,000

Its important to note that you cant get a quote on the Freedom Life website, and theres no online information on what you get at each price point.