Independent Life Insurance Reviews

Empire Life Life Insurance Reviews

(3 reviews)
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Category: Billing, Payments
(1.4 out of 5 stars)
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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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Did you know there is a 35% chance of developing a critical illness before you are 65 and 65%-70% chance before you turn 81? That means getting a critical illness insurance quote is no less important than getting life insurance. Your choice.
 

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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Did you know that mortgage insurance is the same as life insurance but more expensive and offers less protection? By cancelling it and getting life insurance , you would typically save around 30%-40% for the same coverage.
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