The Hartford Life Insurance Review 2020


The Hartford Life Insurance Review by Top Quote Life Insurance
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Hartford Life Insurance has a history of excellence spanning more than 200 years, making it one of the United States’ oldest insurance companies. However, does this proven sustainability necessarily make it the best option for life insurance?

Unlike auto or homeowners insurance, life insurance is something that will always be needed – eventually. If you’re lucky, you may never become involved in a car crash or have severe home damage. However, you will need to protect the interests of your family when you pass away.

We took an in-depth look into Hartford Insurance to see what made them one of the top-rated insurance companies in existence. Here’s what we discovered:

Hartford Life Insurance: A General Overview

Hartford Life Insurance has roots dating back to 1810, making it one of the most experienced, reliable companies in the industry. This says a lot about a company’s reputation and its ability to serve its policyholders.The Hartford Life Insurance Logo

As part of The Hartford, the company offers a variety of financial and insurance services, including mutual funds, casual and property insurance, and life insurance.

As other life insurance companies, The Hartford offers financial benefits in the event of your death to ensure beneficiaries can pay bills without economic hardship. It’s the last favor you’ll be able to do for them, which is why choosing the right policy isn’t a decision to take lightly.

The Hartford works with businesses of all industries and sizes to provide company-wide coverage at group discounts. The company also partners with the AARP to offer members special auto and home insurance at discounted rates.

The Hartford Company Ratings

Third party organizations have done the hard research for you by providing unbiased ratings of life insurance companies. These ratings look at factors like company stability, future prospects, and current financial health.

The Hartford ratings for its life insurance divisions are as follows:

Hartford Life Insurance Company

Hartford Life and Accident Insurance Company

  • A.M. Best Company: A
  • Moody: A2
  • Standard & Poor’s: A

This data looks promising for both the current and future state of Hartford Life Insurance.

Hartford Life Insurance Options

Life insurance is never a one-size-fits-all. Hartford Life Insurance offers several different policy types, each with its own unique benefits and terms to help you find the right coverage.

Voluntary Insurance

Typically offered by your employer, you can opt-in to receive supplemental voluntary life insurance that pays out in the event of your death. The amount you would pay for this policy is determined by the amount of coverage offered, along with factors like age. However, since it’s offered by your employer, your company as a whole may benefit from a group discount.

Group Life Insurance

Group life insurance is used by organizations that offer their employees life insurance as a company benefit. These policies are relatively affordable, but you should consider what happens to your policy if your employer decides to no longer offer life insurance.

Life Insurance with No Medical Exam

That’s right, you could get a Hartford Life Insurance policy without a medical exam. This could be an ideal solution for someone who has a pre-existing condition. There may be some exclusions, such as age restrictions, but it’s certainly worth looking into.

Other Life Insurance Products

Whether you want whole life or term life, The Hartford likely offers the type of policy you’re interested in. Most people are able to find some form of coverage that works for them. They also offer a variety of life insurance riders, including Accidental Death & Dismemberment, Disability, and a Living Benefit Option.

Life Conversations

The Hartford isn’t just an insurance provider, they’re also a reassurance provider. They realize that people who file claims aren’t doing so because they want to. It’s because something has happened in their lives that they need to rely on their insurance.

If you’re a policyholder with The Hartford, you can take advantage of their Life Conversations services that offer one-on-one support with their experts to navigate the complexities of what happens after death. This might include will services, counseling for beneficiaries, or funeral planning.

Life Conversations are not offered with all life insurance products. If this service might matter to you or your family one day, consider this when choosing your policy.

The Downsides of Hartford Life Insurance

Hartford Life Insurance is one of the top companies for a reason, so there’s not much negative to say about them. However, finding information about their life insurance products online can be tricky, as very little is available on their website. This isn’t a problem with their insurance, though, so it’s not fair to use this as a deciding factor.

One of the major drawbacks of choosing this company is the fact that their insurance coverage is only available through an employee benefit option.

This means that there is not an option to purchase an individual life insurance policy. Life insurance along with the several different available supplement insurance options will only be available in your workplace is offering Hartford Insurance coverage as an employee benefit.

A second drawback of choosing this company is the fact that you’re not choosing other companies. Even though this may be one of the best options for most people it doesn’t mean it’s the right option for you.

There may be other providers who are more akin to helping people with pre-existing conditions, such as diabetes. You might be able to get quality coverage for a lower premium somewhere else, depending on your special circumstances.

When you’re shopping for life insurance, consider the following factors about yourself:

  • Are you a smoker?
  • Is there a possibility you will develop a hereditary disease at some point in your life?
  • Do you engage in any risky activities, such as riding a motorcycle?
  • Is your current occupation considered risky?
  • Do you plan to have any major medical procedures in the near future, or have you had any major operations in the past year?
  • What pre-existing medical conditions do you have?

In short, every life insurance company has its unique selling point, and it simply depends on the policyholder in deciding which company is the best one.

In Closing

Life insurance is too important not to get the right coverage or partner with a company that can’t deliver on its promises. Your loved ones depend on it to take care of them when you no longer can. In these cases, it literally pays to do your homework.

For more information on how to choose the right life insurance for your needs, visit our blog or feel free to reach out to us for help.

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Jeffrey Manola

Jeffrey Manola

Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance.

Not only does he strive to provide you with the best rates for your life insurance coverage, but he also wants you to be well informed about the different types of life insurance options that are available. You will also find a significant amount of valuable information on the multiple life insurance companies that can provide you with coverage.

Jeffrey Manola is licensed to provide expert advice and help aid in the purchasing process of life insurance products. He is licensed with the National Insurance Producer Registry (NIPR) in the following states:

AL: 790866 AR: 14358927 AZ: 14358927 CA: 0K29801 CO: 531038 CT: 002536246 DC: 3000281706 DE: 3000190912 FL: W383615 GA: 3089339 HI: 482421 IA: 14358927 ID: 646048 IL: 14358927 IN: 3100885 KS: 14358927 KY: DOI-986908 LA: 758187 MA: 2045330 MD: 3000011601 ME: PRN252004 MI: 14358927 MN: 40427014 MO: 8428106 MS: 10519253 NC: 14358927 ND: 14358927 NE: 14358927 NH: 2434852 NJ: 1562332 NM: 14358927 NV: 3299018 NY: LB-1484031 OH: 1117369 OK: 100293583 OR: 14358927 PA: 740709 RI: 3000183893 SC: 14358927 TN: 2383399 TX: 1969337 UT: 648983 VA: 987464 VT: 3426230 WA: 947010 WI: 14358927 WV: 14358927

Never hesitate to reach out to Jeffrey if you need help. Top Quote Life Insurance is more than just an online quoting agency. We want to help you save money, protect your future, and earn your trust (888) 777-7574.

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Life Insurance Rates?

Purchasing Life Insurance has never been easier

Or give us a call...888-777-7574