Family Heritage Life Insurance Company Reviews 2023

Family Heritage Life Insurance Company at a Glance

  • Founded in 1989
  • Coverage available in 49 states
  • Specializes in life insurance
  • Also offers various health products
  • Offers coverage with no medical exam
  • “A” (excellent) rating by A.M. Best
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • Part of Globe Life Insurance
  • Strong financial stability

Family Heritage Life Pros: Carrier has more than three decades’ worth of experience in the insurance industry. Offers life insurance coverage as well as other health products. High ratings through A.M. Best and the BBB. Strong financial stability.

Family Heritage Life Cons: No official claims response timeframe promise. Official website could use an upgrade. No 24/7 claims reporting. No online claims reporting. No phone claims reporting. High volume of customer dissatisfaction. No guaranteed-issue coverage. Low coverage limits.

What Type of Insurance Does Family Heritage Life Offer?

Family Heritage Life focuses on life insurance and health products. Their coverage offerings include:

  • Supplemental cancer insurance
  • Intensive care insurance
  • Heart attack and stroke insurance
  • Hospital indemnity insurance
  • Accident insurance
  • Life insurance (term, whole, and children’s)

If you’re on the market for any of these coverages, Family Heritage Life may be just the right insurance company for you.

What to Know About Family Heritage Life

Family Heritage Life was founded in 1989, giving the carrier just over three decades’ worth of experience in the insurance industry today. Family Heritage Life is a division of the Globe Life insurance company, which was founded in 1951. Globe Life has expanded rapidly since entering the market, and has become known as an industry leader in the US.

Today, Family Heritage Life offers its products in 49 states across the country. The insurance company focuses on life insurance and various health products such as supplemental cancer coverage and accident coverage. Family Heritage Life has grown to a massive size, with their LinkedIn page reporting that the insurance company now has more than 10,000 employees. In 2013, the insurance company first reached $500 million in cumulative net annualized premium. The carrier is now ranked in the $1.25-$1.5 billion financial size category by A.M. Best.

Thanks to its wide reach, financial strength, and well-known parent company, Family Heritage Life has developed a reputation as a financially stable insurance company that’s projected to be around for many years to come. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Family Heritage Life an “A” rating, indicating the carrier is an excellent choice for insurance customers. A high rating from A.M. Best assures customers that Family Heritage Life is capable of offering guaranteed, secure coverage from a reputable carrier.

Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness, and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t as familiar with insurance companies’ respective reputations, A.M. Best’s ratings system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also to remain a strong, financially sound company in the long term.

What Discounts Does Family Heritage Life Offer?

While Family Heritage Life does not make information about their specific discounts readily available, most life insurance companies today offer several common discounts on comparable coverages. These discounts often include:

  • Healthy blood pressure discount: Offered to life insurance customers who have what’s considered to be a healthy blood pressure upon evaluation. 
  • Safe occupation discount: Offered to life insurance customers who work in safer occupations that are not typically life-threatening.
  • Non-Tobacco User Discount: Life insurance companies tend to reward customers who do not use tobacco products with cheaper premiums. 
  • Healthy Family History Discount: Life insurance companies also reward applicants with healthy genetics, or a good family health history. 
  • Safe Hobbies Discount: Life insurance companies often award customers who practice safe, non-life threatening habits (e.g., no skydiving) with cheaper premiums. 

Your independent insurance agent can help you find more information on exact discounts offered by Family Heritage Life and other ways to save money through the insurance company, helping you to find the coverage you need at the rate you deserve.

Family Heritage Life Customer Service

Family Heritage Life does not offer online or phone claims reporting. The carrier does provide the following customer service options:

  • Fax claims reporting.
  • Snail mail claims reporting.
  • General contact inquiries form through the website.
  • Main customer service hotline has the following hours restrictions:

Hours (ET)

Monday-Friday 8 am - 5 pm

The best way to ensure a smooth customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.


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Family Heritage Life FAQ

What is Family Heritage Life's average claim response timeframe?

Family Heritage Life allows customers to file claims through snail mail or fax. The official website states the following in regards to claims processing:

“If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid when all of the required documents are received and examined.

If the policy has been in force less than two years, it is considered “Contestable” and will be subject to further review, which could increase the processing time.”

The insurance company notes that benefit checks should be received by the customer within 10-15 business days after the claim is processed.

What is Family Heritage Life's customer service availability?

Family Heritage Life does not provide claims reporting via phone or through their website. Their customer service hotline is available at restricted hours, Monday-Friday. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, making them a bit more accessible to customers.

What is Family Heritage Life's claims process?

Family Heritage Life does not provide much information for their customers on their official claims process, other than how to file. Specific forms are available through the website for each type of insurance coverage. Customers are instructed to either snail mail or fax their documents to the insurance company. As for an official process, Family Heritage Life’s website states the following:

“Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded.”

Customers can call the insurance company to check on the status of a claim once it’s been filed, or get in touch with their agent.

Does Family Heritage Life create a user-friendly experience for customers?

Family Heritage Life’s official website leaves a bit to be desired. While the layout is fairly intuitive and easy to navigate, much pertinent information that current and prospective customers alike would need to search for is either missing or limited. For example, the insurance company does not detail much about its claims process. Customers also do not have an option to file a claim online, or even over the phone, which is strange for a modern insurance company. The carrier is active on multiple social media platforms, however, they have a ways to go to catch up to most insurance companies around today, in terms of user-friendliness.

Does Family Heritage Life have good life insurance?

Family Heritage Life specializes in life insurance. Compared to many other life insurance companies, their coverage options are a bit limited. Family Heritage Life provides the following coverage limits:

  • Up to $100,000 of term life insurance
  • Up to $50,000 of whole life insurance for adults
  • Up to $30,000 of whole life insurance for children

While Family Heritage Life advertises life insurance policies with no medical exam, it isn’t exactly guaranteed-issue life insurance. Customers can still be denied coverage upon application, as they are still required to fill out a questionnaire regarding their medical history.

Your independent insurance agent can help you find out more about Family Heritage Life’s life insurance policies, as well as their other products.

Is Family Heritage Life a good insurance company?

Family Heritage Life has received high ratings through both A.M. Best and the BBB and is known for having sound financial strength, which is certainly respectable. However, coverage options are limited, and their customer service options leave much to be desired. There are also a lot of dismal customer reviews about the insurance company scattered across the web, with reports of frustration about having claims acknowledged or approved. That being said, not everyone has had a poor experience with the carrier. So, it may be up to individual interpretation whether or not Family Heritage Life can be considered a good company.

Family Heritage Life Customer Reviews

Consumer Affairs
“Stay away from this company. My mother in law passed away in July 2020 and it's been painstakingly difficult in getting company to provide us with claim status and payment. Seems like they take forever to pay claims and keep you waiting indefinitely. In fact, they lie about status and give you wrong dates deliberately it seems. I would never recommend them to anyone not even my worst enemy. BTW... still waiting for claim check...”
Consumer Affairs
“Company provides misleading information and request (mandates) consumer to provide information that legally they are not entitled to just to refuse to provide the information the consumer requested at the time of call. This company required you to provide confidential information that they are not entitled to such as death certificate of individuals who is listed as a beneficiary when it is not needed for an insured person. Once they got the death certificate they refused to answer questions they stated that would if the death certificate was provided. THIS COMPANY IS A SCAM and very insensitive during the most difficult time for family. BUYER BEWARE!!!”
Consumer Affairs
“Updated on 03/11/2020: Anyone know a good lawyer, to help me get my money back from Globe, and get them to stop taking my money??? I'm tired to talking with them, as they continue to lie, and play like they want to fix their mess, but it's all a lie!!!”
Better Business Bureau
5 Stars
“Very knowledgeable and explained all information well. Recommending to family and friends.”
“Agents are unprofessional, talk about other clients’ business while voiding clients confidentiality. When calling agent to speak about policies, agent would not show. Also, when cancelling policies with them did not receive money back.”'s Final Review

We award Family Heritage Life a final rating of 2 out of 5 stars. The insurance company has been around for a few decades now, but that doesn’t seem apparent by the level of service they offer to insurance customers. The carrier’s high ratings through both A.M. Best and the BBB are respectable, as is the fact that the carrier has not had any complaints filed against them through the BBB in recent years. However, there is a concerningly large volume of customer dissatisfaction with the insurance company noted across the web. Customers report disrespectful customer service encounters, refusal of the carrier to acknowledge claims, long response wait times, and unfair claim denials. Customers also report frustration with being able to cancel their policies when they want to.

Bottom Line: Though Family Heritage Life has a wide reach across the country for life insurance and other health products, offering coverage doesn’t do a lot of good when an insurance company won’t deliver on its promises to their customers. Also, the insurance company’s life insurance offerings have lower limits than many other carriers offer, and there is no guaranteed-issue policy available. So, all things considered, we recommend working closely with your independent insurance agent to check out your other options first before settling on Family Heritage Life to meet your coverage needs, especially if excellent customer service and easy claims filing processes are important to you.

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