Investors Heritage Life Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about Investors Heritage Life Insurance Company.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Investors Heritage Life Insurance Company at a Glance

  • Founded in 1960
  • Specializes in life insurance
  • Rated "B++" (good) by AM Best
  • Not rated by the Better Business Bureau (BBB)

Investors Heritage pros: More than half a century's experience in the industry. Offers a couple types of life insurance and annuities. Coverage available in most states.

Investors Heritage cons: Limited coverage options. No rating or accreditation by the BBB. Only offers phone claims reporting. No customer reviews. Relatively low AM Best rating.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does Investors Heritage Offer?

Here's an overview of the products offered by Investors Heritage: 

  • Whole life insurance
  • Annuities
  • Final expense insurance

Your independent insurance agent can help you find more information about the coverages offered by Investors Heritage, and help you decide if this insurance company is right for you.

What to Know about Investors Heritage Life Insurance Company

Founded in 1960, Investors Heritage Life Insurance Company has been in the insurance industry for more than half a century. The carrier's headquarters is in Frankfort, KY. They currently offer coverage in 30 states.

Investors Heritage specializes in life insurance and offers whole life products, as well as annuities and final expense insurance. The carrier's LinkedIn profile only reports 57 total employees. Investors Heritage is not currently rated or accredited by the BBB.

However, thanks to their history in the insurance industry, Investors Heritage has earned a reputation as a financially sound insurance company. AM Best gives Investors Heritage an overall “B++” rating, indicating the carrier is a good choice.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM 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 annual report. 


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What Discounts Does Investors Heritage Offer?

Investors Heritage does not make information about its specific discounts readily available. However, an independent insurance agent can easily find these details out for you. Independent insurance agents work hard to find you the most discounts and other money-saving opportunities for your coverage.

Investors Heritage Customer Service

Here's an overview of Investors Heritage's customer service options and availability:

  • Snail mail
  • Phone
  • Fax
  • Email
  • Phone department has the following hours:

Day Hours (EST)

Monday-Friday 8 am - 4:30 pm

Saturday CLOSED


To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Investors Heritage Life Insurance Company FAQ

What is Investors Heritage's average claim response time frame?

Investors Heritage does not offer a claims response time frame.

What is Investors Heritage's customer service availability?

Investors Heritage is available at typical hours during the week by phone, and also allows customers to contact them via fax, email, or snail mail.

What is Investors Heritage's claims process?

Investors Heritage does not detail their claims process. But your independent insurance agent can file claims for you, and keep you updated through every step of the process. 

Does Investors Heritage create a user-friendly experience for customers?

Investors Heritage only allows customers to submit claims over the phone, which falls behind other modern carriers in terms of user-friendliness. Their social media presence is also more limited than that of many other carriers. 

Does Investors Heritage have good life insurance?

Investors Heritage offers two life insurance products:

  • Heritage Provider: Single premium annuity and whole life insurance combination
  • Heritage Solution: Single premium whole life coverage

An independent insurance agent can help you decide if Investors Heritage's life insurance products are the best fit for your personal needs.

Is Investors Heritage a good insurance company?

Investors Heritage does have extensive history in the industry, however, they're not currently rated or accredited by the BBB. Their AM Best rating of "B++" also falls well below that of many modern carriers. It's also virtually impossible to find any customer reviews about the insurance company, so we're hesitant to call Investors Heritage a good carrier at this time.'s Final Review

We award Investors Heritage Life Insurance Company a final rating of 2 out of 5 stars. The insurance company has been in the industry for many decades, but their AM Best rating falls short of many other carriers'. They're also not currently rated or accredited by the BBB.

Coverage is not available in every state and coverage options are highly limited. Further, it's virtually impossible to find any customer feedback about the carrier. So overall, we're forced to recommend looking into other options with the help of your independent insurance agent, and perhaps skip Investors Heritage Life Insurance Company.

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