Senior 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 Senior Life Insurance Company.

Senior Life Insurance Company at a Glance

  • Founded in 1970
  • Focuses on life insurance
  • Coverage available in most states
  • Not rated by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)
  • No medical exam required

Senior Life pros: 50 years' of experience in the industry. Coverage available with no medical exam to customers with preexisting conditions. 

Senior Life cons: Not BBB accredited. Large volume of negative customer feedback. Several complaints filed through the BBB. Unpolished, dated website. Coverage not available nationwide. Highly limited in coverage options. Only one term option available. Not rated by AM Best. No discount information available.

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 Senior Life Offer?

Senior Life focuses on life insurance. They offer the following kinds of coverage.

  • Term life insurance
  • Whole life insurance
  • Final expense insurance

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

What to Know about Senior Life Insurance Company

Senior Life Insurance Company was founded in 1970, giving the carrier more than half a century's worth of experience in the industry. The carrier offers life insurance to anyone under the age of 85, regardless of preexisting health conditions. Their mission is to help families prepare for costly final expenses.

Senior Life has more than 200 employees across the nation and offers its coverage in more than 40 states and DC. The insurance company works with more than 6,500 agents. Senior Life's coverage is appealing to life insurance customers everywhere thanks to their plans offered with no medical exam.

The insurance company is not currently rated by AM Best, the leading global credit organization monitoring the insurance industry. However, the Better Business Bureau awards Senior Life a rating of "A+", or excellent.

What Discounts Does Senior Life Offer?

Senior Life does not make information about its specific discounts readily available, however an independent insurance agent can find these for you. Independent insurance agents work hard to find all qualifying discounts and other money-saving hacks on your coverage.


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Senior Life Customer Service

Here's an overview of Senior Life's customer service options and availability.

  • Phone contact option
  • Contact form on website
  • Email contact option
  • Online claims reporting
  • Phone department has the following hours restrictions

Hours (EST)

Monday-Friday 8 am - 5 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.

Senior Life Insurance Company FAQ

What is Senior Life's average claim response time frame?

Senior Life does not offer a specific claims response time frame.

What is Senior Life's customer service availability?

Senior Life is available at slightly extended hours during the week. Customers can also contact the carrier through the contact form on their website. Claims can only be filed online or through an agent.

What is Senior Life's claims process?

Senior Life does not make much information about their claims process available beyond how to file. However, working with an independent insurance agent can greatly simplify the claims process. Independent insurance agents can contact your carrier for you and file claims directly, and keep you updated through every step. 

Does Senior Life create a user-friendly experience for customers?

Senior Life's website could certainly be updated. The layout is not as intuitive and easy to navigate as others. Further, some graphics aren't styled properly, such as one of their term life policy's list of coverage details. Senior Life's customer service contact options are also more limited than other carriers'. Overall, Senior Life falls a bit behind in the user-friendliness department.  

Does Senior Life have good term life insurance?

Senior Life offers one increment of term life coverage, 20-year plans. Customers are guaranteed to pay the same premium throughout the life of their policy. Coverage is available for everyone up to age 85. Policies are issued with no medical exam required.

Is Senior Life a good insurance company?

Senior Life has 50 years' worth of experience and a high rating through the BBB. However, the carrier is not BBB accredited and has had quite a few complaints filed against them. Customer feedback also appears largely mixed, with lots of negative reviews. So we're hesitant to call Senior Life a good insurance company.

Senior Life Insurance Company Customer Reviews

Better Business Bureau
THEY TAKE ADVANTAGE OF THE ELDERLY!!!! I discovered my elderly parents signed up for a $5,000 life ins. policy for my mom. They have been paying $62.12/mo since 2009 (currently almost $9,000 paid for a $5k policy).. this policy matures in 20 yrs after they would have taken nearly $15,000 payment from my folks for a $5,000 policy. Once I learned of this rip off, I immediately cancelled her policy (I had to call several times because of no answer, I thought this place was a scam) and although my mom has paid almost $9,000.. they are saying all she will get back is $2,113. Also the woman was very rude. AVOID THIS RIP OFF.

Better Business Bureau
My brother passed 30 days before his 1 year. It's been 4 months and they are still investigating. I should have at least received what he paid, they are so insensitive.

If I could put zero stars, I would. My grandfather passed on 11/20/2020, I was unable to get in touch with the company to notify them on his death until Monday morning. Once I was about to speak with someone on the phone they continued to talk about benefits offered by the company such as purchasing a casket and a headstone. The insurance was not guaranteed as told to my grandfather. Because my grandfather passed before the 2 years of the policy, I was informed that a investigation needed to be conducted to ensure that my grandfather did not lie about his health conditions.

5 Stars
I had purchased an insurance policy for my wife and we couldn't be happier. Andrew Davis was knowledgeable and extremely helpful. He is a true professional. He is kind and considerate and a pleasure to do business with. 

Customer service is horrible. It's been 3 months and we still can't transfer the policy to my mother's name. My father passed away and and death certificate is not enough we need to pay to get notarized a transfer form. Also, the company is only eastern time so any other time zone make time to call within their working hours.'s Final Review

We award Senior Life Insurance Company a final rating of 2 out of 5 stars. The insurance company has a half century's worth of experience in the industry and a high rating by the BBB. However, they are not accredited through the BBB and have had a couple dozen complaints filed against them in recent years.

Coverage for seniors is available with no medical exam required, which is one of the carrier's only pros. Senior Life's official website needs a major update. The layout is confusing and some of the graphics and not styled properly, such as their coverage details. Further, we're quite concerned about the disturbing volume of negative customer reviews across multiple platforms.

Overall, we recommend working with an independent insurance agent to survey your other options for life insurance.

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