Independent Life Insurance Reviews

Empire Life Life Insurance Reviews

(3 reviews)
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Category: Billing, Payments
(1.4 out of 5 stars)
Customer Service:
Value for Money:

Long term disability

(1.0 out of 5 stars)
by Frustrated Apr 20, 2017
...This company is all about taking your money but giving nothing in return. No wonder they sit on millions of money - never paid out for ltd, took them months to review a claim. Have 5 specialists with the same diagnosis and their reason for denial diagnosis hasn't changed. Really. Has a lifetime injury which prevents him from working and they say he's denied ltd. so don't pay thousands of dollar to this company they will keep it and give you nothing in return...
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Planning to get life insurance to protect your family, including children? Make sure that you get enough coverage. According to studies, it takes about $250,000 in total to raise a child to the age of 18 (and that doesn’t include any post-secondary education costs).

The coverage is very limited

(2.0 out of 5 stars)
by Mr T Feb 15, 2017
...Their coverage is mediocre, you have to make sure your provider is registered with the right credentials. Even if you find them on their search box in Empire Life website, it doesn't mean they're registered. It's means someone logged the provider info in their system, but Empire Life doesn't clear the information even if it's wrong. Therefore the only way to find your provider registry, is to go to the official website (i.e. RMT, for massage), and search a list of providers there. Many times I found myself paying a lot more on the service I used. Empire Life normally refund a percentage, ranging from 40% to 70%. You just have to pray for the reviewer not to tag you enough excuses not to reimburse you the amount (it's never 100%, always below 70%. Quite Random sometimes). Customer service is not great too. They reply after a couple of days via email, but never answer your questions properly. Pretty awful to be honest...
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The worst company

(1.0 out of 5 stars)
by Alex Dec 31, 2014
...I have been client of this company for almost two years. Claimed coverage for medicine, dental treatment for many times. didn't get any coverage. They are big cheaters, always lying ,never get real information. I will highly not recommend this company...
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Not sure if you can qualify for life insurance with existing health pre-conditions? Let us to help you with a no medical life insurance quote , meaning that you do not need to pass a medical exam to qualify for a life insurance policy.
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