Customer Serviceįreedom Life and USHealth Group have limited online customer resources. That rider is a common endorsement offered by other insurance companies. With the Freedom Life LifeProtector plan, there is no accelerated death benefit rider for chronic or terminal illness, so there’s no way to access your benefits early if you become seriously ill. After the 10-year term expires, your beneficiaries get nothing if you die. If you pass away during those 10 years, your beneficiaries will receive a death benefit. It is a 10-year renewable insurance plan, meaning you have coverage for 10 years. LifeProtector is Freedom Life Insurance Company’s term life policy. If you’d prefer another life insurance type, such as whole, universal, or final expense policies, you’ll have to look for another insurance company that has more robust product offerings. Freedom Life does not have any insurance riders the policy is the same for everyone and cannot be altered.įreedom Life Insurance Company and USHealth Group keep it very simple: They only offer a term life insurance policy with one term option. No riders or endorsements available: Other insurance companies have riders you can add to your policy to enhance and customize your coverage.Not available in all states: Unfortunately, Freedom Life’s policies aren’t available in all 50 states.If you want any other plan or term, you’ll have to find another insurer. Only one life insurance option: While most life insurance companies offer multiple life insurance plans, such as term, whole, and universal life policies, Freedom Life only has one option: term life insurance with a 10-year term.Obviously, the lower the premium, the lower your coverage will be. Offering these options, allows customers to find coverage they can afford. Variety of premium options: This company allows you to choose your premium amount between $10 and $50, in increments of $5.You can also get health insurance, accident protection, dental coverage, and vision insurance. Other insurance products available: Beyond term life insurance, Freedom Life’s parent company offers a range of other insurance products.You can review our list of the best life insurance companies for what we think are better options. However, for answers to any questions about insurance payments, deductibles, or co-payments, you generally need to check with your insurance provider.Freedom Life is not one of our top-rated life insurance companies. If we have received any such information from your insurance company, we'll be glad to share it with you. I received a notice that my insurance company has paid on my bill - but I can't understand how they calculated their payment amount. Yes, with your OnPatient account, you can view your statements and pay online, The full balance is due as soon as possible after you receive your billing statement and before the next statement is mailed.Ĭan I view my bill, or make a payment on my bill, online using my computer? If there’s a balance due, you’ll receive a billing statement in the mail. If you have questions about your benefits, contact your insurance company directly. The amount of the bill that you must pay will depend on your insurance policy. After the deductible is met, your insurance company usually pays a percentage of the costs of service. Most major insurance companies require patients to pay a deductible. Generally, it takes from 30 to 60 days for a primary care office to obtain payment from an insurance carrier. How long will it take to get things settled with the insurance company? After your insurance has payment has been received at IHC, we'll provide you with a statement of your patient account. What billing or insurance information will I receive?
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