Assurity life insurance, reviewed.
Assurity is a policyholder-owned mutual insurer that’s been writing coverage since 1890 from Lincoln, Nebraska, and carries an A- (Excellent) rating. The bottom line: a financially strong choice for whole life and simplified-issue coverage — and its flexible underwriting says yes where others say no, which is what sets it apart.
✓ Independent & consumer-first✓ 26 years in business✓ Every major carrier reviewed✓ Licensed in all 50 states
What it does well
Strength you can feel good about.
Assurity pairs a long, well-rated mutual history with underwriting few carriers match — and these are the reasons it stands out.
A 135-year mutual company
Assurity has been writing coverage since 1890 from Lincoln, Nebraska — the kind of long track record that matters when a claim is filed decades from now.
A- (Excellent) from A.M. Best
The agency that grades insurers on their ability to pay claims rates Assurity A- (Excellent) — reassurance behind a long-term promise.
Flexible underwriting that says yes
Assurity is known for saying yes to applicants others decline — including some higher-risk occupations and hobbies and certain health histories.
Policyholder-owned structure
As a mutual company, Assurity is owned by its policyholders, so it can underwrite for long-term policyholder benefit — and dividends are possible.
A no-exam simplified-issue option
LifeScape Simplified-Issue Whole Life skips the medical exam, with guaranteed premiums and cash value — a straightforward path to coverage.
Coverage that builds cash value
Assurity’s whole life is dividend-eligible and builds cash value over time, giving you lifelong protection with a growing foundation.
Want Assurity’s number for your age? A licensed professional will run it and compare it to the market. No obligation.
Call (888) 959-0710What they offer
Whole life, simplified issue, and underwriting that says yes.
The shelf covers permanent coverage and a no-exam path, with flexible underwriting that finds room for harder cases (per Assurity):
Simplified
Simplified-issue whole life
LifeScape Simplified-Issue Whole Life covers ages about 50–80, up to $50,000, with no medical exam and guaranteed premiums and cash value.
Whole Life
Whole life
LifeScape Whole Life is dividend-eligible and builds lifelong cash value, starting around a $10,000 minimum for permanent coverage.
Underwriting
Flexible underwriting
Assurity is known for finding coverage for higher-risk jobs, hobbies, and health histories that other carriers decline — its real differentiator.
Is it a good fit?
Especially strong if others have said no.
Assurity is a strong choice for plenty of buyers. You get a 135-year mutual insurer owned by its policyholders, an A- (Excellent) rating, and whole life that’s dividend-eligible and builds cash value — plus a no-exam simplified-issue option.
The standout is its flexible underwriting — and that’s where fit gets specific. If a higher-risk job or hobby, or a health history, has had other carriers hesitating, Assurity is often the one that says yes. That comparison is free.
Assurity is the carrier I think of when someone’s been turned away elsewhere. A mutual that says yes to harder cases is rare — and we still compare it, because the best policy is the one that actually fits your life.
Already have a policy?
Confirm you’re getting their best rate.
If you already hold an Assurity policy, a licensed professional will read it with you and check whether your coverage and any dividends are working as they should. With a mutual this strong, often you’re in good shape — and we’ll say so plainly.
Free · no obligation · Mon-Sat · 10am-9pm
- Whether you’re on simplified-issue or full whole life coverage
- If your dividend-eligible whole life is building cash value as expected
- Whether another well-rated carrier fits your profile better
- That your beneficiary is current and correct
Straight answers
Assurity questions, answered.
By Braxton Mondell, licensed in all 50 states · Updated June 2026
01Is Assurity life insurance good and legit?
Yes — Assurity Life Insurance Company is a mutual insurer founded in 1890 and based in Lincoln, Nebraska, with about 135 years of history and an A- (Excellent) rating from A.M. Best. It is a well-established, highly rated carrier.
02What makes Assurity different?
Its flexible underwriting and mutual structure. Assurity is known for saying yes where other carriers say no, and because it is owned by policyholders, it can underwrite for long-term policyholder benefit — with dividends possible on its whole life coverage.
03What does Assurity offer?
Assurity writes LifeScape Simplified-Issue Whole Life and dividend-eligible LifeScape Whole Life, plus disability income and critical-illness coverage — a line that pairs permanent protection with income and health protection (per assurity.com).
04Is there a medical exam with Assurity?
Not on simplified issue. LifeScape Simplified-Issue Whole Life is available for ages about 50–80, up to $50,000, with no medical exam and guaranteed premiums and cash value. Its fuller whole life may involve more underwriting depending on the amount and your profile.
05Who is Assurity a good fit for?
It’s a strong choice for people with higher-risk jobs or hobbies — think pilots or semi-professional athletes — or anyone who has been declined elsewhere or has a health history that gave other carriers pause. Its flexible underwriting is built for exactly these cases.
06How much does Assurity life insurance cost?
It depends on your age, health, and the amount of coverage — simplified-issue and full whole life price differently. The clearest way to know is a quote, and a licensed professional on our team can run Assurity’s number for your profile and compare it to the market.
This is an independent review. Policy Review Center is not affiliated with or endorsed by Assurity; product names are used for identification only. Plan details come from the carrier and can change — confirm current terms with Assurity. Educational only, not financial advice; any coverage changes are completed through licensed insurance professionals.
See every option. Then choose.
Call and a licensed professional will compare Assurity against the broader market for your age and health — and tell you straight which gives you the most.