Assurity Quick Quote Life Insurance Review [2025]

Life insurance is a cornerstone of sound financial planning, providing a vital safety net for your loved ones. But navigating the world of policies, carriers, and applications can feel overwhelming. You might be looking for a fast, straightforward way to get coverage, perhaps searching for terms like “Assurity quick quote.” The idea of getting protection quickly is appealing, and Assurity Life Insurance Company is one provider known for offering streamlined application processes for certain products.

However, speed isn’t the only factor to consider. Is the quickest option always the best value? Does it provide the right type or amount of coverage for your unique situation? This is where understanding your options becomes crucial. While Assurity offers valuable products, they are just one piece of a much larger puzzle.

At Insurance By Heroes, we believe informed decisions are empowered decisions. As an independent insurance agency founded by a former first responder and military spouse, and staffed by professionals with backgrounds in public service, we understand the importance of reliable protection. Our mission isn’t just to sell a policy; it’s to serve you by finding the insurance solution that truly fits your needs and budget. We partner with dozens of top-rated insurance carriers, including Assurity, allowing us to shop the market extensively on your behalf. We compare rates, features, and underwriting requirements to tailor coverage specifically for you. Throughout this article, we’ll explore Assurity’s offerings, particularly those related to faster quoting, but always within the context of the broader market and the personalized service Insurance By Heroes provides.

Understanding Your Unique Life Insurance Needs

Before diving into specific companies or quotes, it’s essential to understand why you need life insurance and what kind might be appropriate. Life insurance primarily serves to replace lost income and cover financial obligations if you were to pass away unexpectedly. Think about what financial support your loved ones would need:

• Income Replacement: Ensuring your family can maintain their standard of living, cover daily expenses, and plan for the future (like college tuition).
• Debt Coverage: Paying off mortgages, car loans, credit card debt, or student loans so these burdens don’t fall on your family.
• Final Expenses: Covering funeral costs, burial expenses, and any outstanding medical bills, which can easily run into thousands of dollars.
• Legacy Planning: Leaving an inheritance for children or grandchildren, or making a charitable contribution.

The amount and type of insurance you need depend heavily on your individual circumstances:

• Age and Health: Younger, healthier individuals typically qualify for lower rates, especially on fully underwritten policies.
• Income and Occupation: Your earnings determine the amount of income replacement needed. Certain occupations might influence risk assessment.
• Dependents: The number and ages of your children or other dependents significantly impact coverage needs.
• Financial Obligations: Large debts like mortgages necessitate higher coverage amounts.
• Existing Savings and Assets: Other resources can sometimes offset the amount of life insurance required.

There are several main types of life insurance:

• Term Life Insurance: Provides coverage for a specific period (e.g., 10, 20, or 30 years). It’s generally the most affordable option for the largest death benefit, ideal for covering needs that have an endpoint, like a mortgage or raising children.
• Whole Life Insurance: Offers lifelong coverage with premiums that typically remain level. It builds cash value over time on a tax-deferred basis, which you can borrow against or withdraw.
• Universal Life Insurance: Another form of permanent insurance offering more flexibility than whole life. You may be able to adjust premiums and death benefits within certain limits. It also builds cash value.

Navigating these factors can be complex. That’s a core reason why working with an independent agency like Insurance By Heroes is so beneficial. We don’t just process applications; we take the time to understand your life, your family, your financial goals, and your concerns. Our team, many with backgrounds serving communities as first responders or in military families, brings a unique perspective focused on protection and preparedness. We help you quantify your needs accurately and determine which type of policy, from which carrier, offers the best solution.

Who is Assurity Life Insurance Company?

Assurity Life Insurance Company has a long history, tracing its roots back to 1890. Based in Lincoln, Nebraska, Assurity operates as a mutual insurance holding company, meaning it is technically owned by its policyholders, not stockholders. This structure often aligns the company’s interests more closely with those of its clients. Assurity positions itself as a company focused on helping people through difficult times, offering a range of life insurance, disability income, critical illness, and voluntary worksite products.

When evaluating any insurance carrier, assessing its financial stability is paramount. You need assurance that the company will be able to pay claims decades into the future. Financial strength ratings from independent agencies like AM Best provide this insight. Assurity consistently receives strong ratings; as of late 2023/early 2024, AM Best rated Assurity “A-” (Excellent). This rating indicates a strong ability to meet ongoing insurance obligations.

Assurity offers various life insurance products, including:

• Term Life Insurance (both fully underwritten and simplified issue)
• Whole Life Insurance (including final expense policies)
• Universal Life Insurance
• Accidental Death Insurance
• Critical Illness Insurance
• Disability Income Insurance

While Assurity has a solid reputation and diverse product lineup, it’s crucial to remember they are just one company among many excellent insurers. An “A-” rating is good, but other carriers might have higher ratings (A, A+), different underwriting niches, or more competitive pricing for your specific health profile and needs. This is why comparing options through an independent agency like Insurance By Heroes is so vital. We work with numerous carriers, including those with A, A+, and A++ ratings, ensuring you see how Assurity stacks up against the competition for your specific situation.

Exploring Assurity Quick Quote Options

The term “quick quote” in the insurance world usually refers to policies involving simplified underwriting. Unlike traditional fully underwritten policies that often require a medical exam, extensive health questionnaires, and checks of medical records (Attending Physician Statements or APS), simplified issue policies streamline this process considerably.

What does this mean for you? Potentially:

• Faster Application: Often completed online or over the phone in minutes.
• No Medical Exam: Approval is typically based on your answers to health questions and database checks (like MIB and prescription history).
• Quicker Approval: Decisions can sometimes be made within days, or even instantly, compared to weeks or months for fully underwritten policies.

Assurity offers products that fit this “quick quote” model, primarily within their term life and final expense portfolios.

Assurity Term Life Insurance (Simplified Issue)

Assurity provides simplified issue term life insurance options designed for individuals seeking coverage quickly without a medical exam. These policies typically feature:

• Coverage Amounts: Often capped at lower amounts compared to fully underwritten policies (e.g., up to $500,000, though this can vary).
• Term Lengths: Common term lengths like 10, 15, 20, or 30 years are usually available.
• Eligibility: Generally available for individuals within a specific age range (e.g., 18-65). Approval depends on answers to health questions. Certain pre-existing conditions might lead to decline or qualification only for a graded benefit policy (where the full death benefit isn’t paid for the first couple of years unless death is accidental).

The “quick quote” process for Assurity’s simplified term life typically involves answering a series of health-related questions. These questions cover medical history, lifestyle (like smoking), and family history. Assurity uses this information, along with database checks, to assess risk and determine eligibility and pricing.

Pros of Assurity Simplified Issue Term:

• Speed and Convenience: The primary appeal. Get coverage potentially much faster.
• No Medical Exam Hassle: Avoids needles, blood draws, and scheduling appointments.
• Accessibility: May be an option for individuals with certain health conditions who might struggle to qualify for fully underwritten coverage, or who simply prioritize speed.

Cons of Assurity Simplified Issue Term:

• Higher Cost: Because the insurer has less information (no exam results), they take on more risk. This uncertainty is typically reflected in higher premiums compared to a fully underwritten policy for a healthy individual.
• Lower Coverage Limits: May not be sufficient for those needing substantial coverage (e.g., high income earners, large mortgages).
• Not Guaranteed Approval: Simplified doesn’t mean automatic. You can still be declined based on your health answers or database findings.

The Insurance By Heroes Perspective: An Assurity quick quote for term life offers undeniable convenience. But is it the best value proposition for you? If you are relatively healthy, taking the time for a fully underwritten policy (from Assurity or another carrier) could potentially save you thousands of dollars over the life of the policy or allow you to secure significantly more coverage for a similar premium. At Insurance By Heroes, we help you weigh these trade-offs. We can quickly assess whether pursuing a simplified issue policy (like Assurity’s) or a fully underwritten policy makes more sense based on your health, budget, and timeline. We shop both types across multiple carriers to find your optimal fit.

Assurity Final Expense Insurance

Another product often associated with a quick quote process is final expense insurance, sometimes called burial insurance. Assurity offers final expense policies designed specifically to cover end-of-life costs.

• Purpose: To pay for funeral expenses, cremation, medical bills left behind, or other small debts, alleviating the financial burden on surviving family members.
• Features: These are typically whole life policies, meaning coverage lasts your entire life as long as premiums are paid. Coverage amounts are smaller than traditional life insurance, often ranging from $5,000 to $50,000. Underwriting is simplified, usually involving health questions but no medical exam.
• The “Quick Quote” Aspect: Similar to simplified term, quotes and applications can often be handled quickly based on health declarations.

Pros of Assurity Final Expense:

• Easier Qualification: Designed to be accessible, even for seniors or those with some health issues.
• Lifelong Coverage: As a whole life policy, it won’t expire after a set term.
• Cash Value Growth: Builds modest cash value over time.
• Covers a Specific Need: Directly addresses the often-underestimated costs associated with end-of-life expenses.

Cons of Assurity Final Expense:

• Higher Cost Per Thousand: Due to simplified underwriting and lifelong coverage, the premium per $1,000 of death benefit is significantly higher than term life insurance.
• Limited Coverage Amount: Not suitable for income replacement or covering large debts like mortgages.
• Potential Graded Benefits: Depending on health answers, some policies might have a waiting period (e.g., 2 years) before the full death benefit is paid for non-accidental death.

The Insurance By Heroes Perspective: Assurity’s final expense option provides a solution for a specific financial need, often with a streamlined application process. However, it’s crucial to understand its limitations. Is final expense the right tool, or would a small term life policy (perhaps even a simplified issue one) offer better value if your need is temporary? Could you qualify for a better rate on a small whole life policy from a different carrier? Insurance By Heroes helps you answer these questions. We compare Assurity’s final expense offering against similar products from our wide network of carriers, ensuring you understand all your options before making a decision. We ensure you’re not just getting a quick quote, but the *right policy* for your specific end-of-life planning goals.

The Importance of Comparing Options: Why Use Insurance By Heroes?

Getting an Assurity quick quote can seem like an easy path to securing life insurance. And for some, Assurity might indeed be a competitive option. However, the insurance landscape is vast and varied. Relying on a quote from just one company, even a reputable one like Assurity, means potentially missing out on significant savings or more suitable coverage elsewhere.

This is the fundamental value of working with an independent agency like Insurance By Heroes. Our loyalty is to you, our client, not to any single insurance carrier.

Here’s how we serve you:

• True Independence: We are not captive agents bound to promote one company’s products. We have contracts with dozens of the nation’s top-rated insurance carriers, including Assurity, Progressive, Safeco, Travelers, Nationwide, and many others across life, home, auto, and more.
• Personalized Needs Assessment: Our process begins with understanding you. We listen to your concerns, goals, and budget. As an agency founded by those with service backgrounds (first responder, military spouse), we bring a deep appreciation for the unique needs and challenges faced by families, especially those in public service roles.
• Extensive Market Shopping: Armed with your information, we leverage our access to shop the market comprehensively. We compare rates, policy features, riders (optional add-ons), conversion options, and importantly, underwriting guidelines.
• Underwriting Expertise: Different companies view health conditions and lifestyle factors differently. One company might rate you higher for a specific condition, while another has a more favorable view (a “niche”). An Assurity quick quote might be fast, but perhaps another carrier offers a fully underwritten policy at a much lower rate even with a minor health issue. We know where to look based on your profile.
• Finding the Best Value: Our goal is to find the optimal intersection of coverage, cost, and carrier strength for your situation. A “quick quote” might be quick, but is it the best long-term value? Sometimes, a process that takes a bit longer (like full underwriting) can result in substantial premium savings or much higher coverage amounts. We help you weigh the speed vs. value trade-off.
• Service-Oriented Approach: Our roots in public service inform everything we do. We believe in clear communication, honesty, and building trust. We explain your options without pressure, empowering you to make the choice that feels right.

Choosing Insurance By Heroes means you get the benefit of Assurity’s potential quick quote options considered alongside offers from a multitude of other strong competitors. You get a partner dedicated to finding the right protection for your family, guided by professionals who understand the meaning of service and commitment.

Assurity Quick Quote vs. Fully Underwritten Policies: A Closer Look

Understanding the fundamental differences between simplified issue (“quick quote”) and fully underwritten life insurance is key to making an informed choice. Let’s compare them directly:

• Underwriting Process:
  • Simplified Issue (e.g., Assurity Quick Quote): Relies on answers to health questions and database checks (MIB, prescription history). No medical exam required.
  • Fully Underwritten: Involves detailed health questionnaire, medical exam (blood pressure, height/weight, blood/urine samples), potential review of medical records (APS), and database checks.
• Speed of Approval:
  • Simplified Issue: Much faster. Approval can range from minutes to days.
  • Fully Underwritten: Slower. Typically takes 4-8 weeks, sometimes longer if medical records are needed.
• Cost Comparison:
  • Simplified Issue: Generally more expensive per $1,000 of coverage. The insurer has less information, assumes more risk, and prices accordingly.
  • Fully Underwritten: Typically offers the lowest premiums, especially for healthy individuals. The detailed underwriting allows the insurer to accurately assess risk and offer preferred rates.
• Coverage Limits:
  • Simplified Issue: Often has lower maximum coverage amounts (e.g., commonly up to $500k, sometimes less or slightly more depending on the carrier).
  • Fully Underwritten: Allows for much higher coverage amounts, often into the millions, suitable for significant income replacement or estate planning needs.
• Product Availability:
  • Simplified Issue: Primarily available for term life and final expense/whole life policies.
  • Fully Underwritten: Available for all types of life insurance, including term, whole life, and universal life, often with more rider options.

Who Benefits from Each Approach?

Simplified Issue / Quick Quote Might Be Best For:

• Individuals prioritizing speed and convenience above all else.
• People with a strong aversion to medical exams.
• Those with moderate health conditions who might face challenges or higher ratings with full underwriting.
• Individuals needing coverage amounts below the typical simplified issue maximums.

Fully Underwritten Might Be Best For:

• Healthy individuals seeking the lowest possible premiums.
• Anyone needing higher coverage amounts (typically over $500,000).
• People willing to go through the medical exam process to potentially achieve significant cost savings.
• Those seeking specific riders or policy features often only available with fully underwritten products.

The Insurance By Heroes Advantage: You don’t have to guess which path is right. We analyze your situation – health, budget, coverage needs, timeline – and advise you on the most sensible approach. If an Assurity quick quote looks promising, we’ll show you how it compares to similar simplified issue products from other carriers AND how it stacks up against potential fully underwritten offers. We provide clarity across the entire spectrum of options, ensuring you choose the path that aligns best with your priorities.

Getting Your Personalized Comparison from Insurance By Heroes

Finding the right life insurance doesn’t have to be a complex solo mission. At Insurance By Heroes, we streamline the comparison process for you, ensuring you see how options like an Assurity quick quote fit into the bigger picture.

Here’s how it works:

1. Submit Your Information: Start by filling out the secure quote request form on this page. Provide some basic details about yourself and your coverage goals.
2. Personalized Consultation: One of our licensed, service-minded insurance professionals will reach out. This isn’t a high-pressure sales call. It’s a conversation to understand your needs more deeply, answer your initial questions, and clarify the information needed to run accurate comparisons.
3. Market Analysis: Leveraging our technology and carrier relationships, we’ll shop the market, comparing dozens of companies – including Assurity if their products align with your profile – across both simplified issue and fully underwritten options, as appropriate.
4. Clear Options Presented: We’ll present you with the most competitive options tailored to you. We explain the pros and cons of each quote, detailing the coverage, premium, carrier rating, and underwriting process involved. We cut through the jargon and focus on what matters.
5. Expert Guidance: We help you navigate the choices, answer follow-up questions, and provide recommendations based on our expertise and your stated preferences. Our goal is your confidence and long-term satisfaction.
6. Application Support: Once you choose a policy, we guide you through the application process, whether it’s a quick online form for an Assurity simplified product or coordinating a medical exam for a fully underwritten policy from another carrier.

We handle the complexities of comparing multiple insurance carriers so you don’t have to. You get the benefit of expert advice rooted in a commitment to service, ensuring you secure the right protection without the hassle.

Secure the Right Protection: Get Your Custom Comparison Today

We’ve seen that while an Assurity quick quote offers a potentially fast way to get certain types of life insurance, it represents just one possibility in a wide market. Assurity is a solid company with valuable offerings, but the best policy for you depends entirely on your individual health, budget, and coverage requirements.

Relying solely on one company’s quote, quick or otherwise, could mean overpaying or getting insufficient coverage. The smartest approach is to compare multiple top-rated carriers, weighing the benefits of simplified issue speed against the potential value of full underwriting.

That’s precisely what Insurance By Heroes does for you. As an independent agency founded and staffed by individuals with backgrounds in public service, we bring a unique dedication to protecting families like yours. We leverage our access to dozens of insurers, including Assurity, to conduct a thorough market analysis tailored to your specific needs. We compare rates, features, and underwriting niches to find the solution that offers the best combination of coverage and value.

Don’t settle for just one quote or navigate the complexities alone. Partner with professionals who understand service and are committed to finding your best fit.

Ready to see how Assurity compares to other leading life insurance options for your unique situation? Take the first step towards peace of mind. Fill out the secure quote form on this page right now. Let Insurance By Heroes provide you with a comprehensive, personalized comparison and expert guidance.