Encova Life Insurance Company(OH): Contacts, Services, Financials, Claims, Cancellations and Renewals, Affiliates & partnerships.

Encova Life Insurance Company (OH), established in 2019, emerged from the rebranding of Motorists Life Insurance Company, a company with roots dating back to its founding in 1927.

It operates as a wholly-owned subsidiary of Encova Insurance, a super-regional insurance carrier headquartered in Columbus, Ohio.

Encova Life Insurance Company

Notably, Encova Insurance is a mutual insurance company, signifying ownership by its policyholders.

Contact Details

Company Name Encova Life Insurance Company
Headquarters Address 471 E. Broad St. Columbus, OH 43215
Phone Number 888-876-6542

Encova Life Insurance Company Services and Products:


Policy administration:

The Company assists policyholders in managing their policies, including coverage adjustments, premium payments, and claims processing.

Financial planning:

The company offers support in creating financial plans to achieve various goals, such as family security and retirement funding.

Customer service:

Provides 24/7 customer service to address policy-related questions and concerns.


Term life insurance:

Offers financial protection for specific timeframes, ideal for temporary coverage needs, like protecting a family with young children or paying off a mortgage.

Whole life insurance:

Provides lifelong coverage and accumulates cash value, suitable for those seeking permanent coverage and savings.

Universal life insurance:

Flexible coverage and cash value options, catering to individuals who want lifelong coverage with adjustable benefits over time.

Variable life insurance:

Invests cash value in sub-accounts tracking stock market indices, offering potential for higher returns with increased risk.

Guaranteed issue life insurance:

Designed for individuals with health conditions who may not qualify for other life insurance types, offering lower coverage limits and higher premiums.

Rider Options:

  • Accidental death benefit: Offers a death benefit in the event of an accidental death.
  • Living benefits: Allows access to the death benefit while the policyholder is alive, helpful for covering medical expenses or long-term care.

Encova Life Insurance Company boasts a strong reputation, backed by a history of customer service excellence.

Its diverse range of life insurance products and services caters to the specific needs of both individuals and businesses, making it a worthwhile choice for those considering life insurance.

Encova Life Insurance Company Claims Process:

Efficient and Streamlined:

Offers a straightforward and expedited claims process for its policyholders.

Filing a Claim:

Online Claim Submission:

  • If you choose to submit a claim online, you’ll provide the same information as in a phone call.
  • Additionally, you’ll need to upload relevant documents, including the death certificate.

Claims Specialist Assistance:

  • Once your claim is filed, a dedicated claims specialist is assigned to your case.
  • They collaborate with you to collect any required additional documentation.
  • After claim approval, Encova Life promptly issues payment to you or your beneficiary.

Fast and Efficient Process:

Overview of Claims Process:

  1. File a claim: Initiate the process by either contacting customer service or submitting a claim online.
  2. Provide necessary information: Furnish basic details, such as policy number, date of death, and upload the death certificate.
  3. Collaborate with a claims specialist: A dedicated specialist helps gather any additional required documentation.
  4. Claim approval: Upon approval, Encova Life releases payment to you or your beneficiary.

Financial Details:


Cancellations and Renewals:

  • Policyholders can cancel their Encova Life insurance policies at any time, but a cancellation fee may apply.
  • To cancel a policy, a written request must be submitted to Encova Life.
  • Encova Life insurance policies are typically renewed annually, with renewal notices sent out several weeks before the policy’s expiration.
  • Renewal premiums can be paid online, by mail, or by phone.

Affiliates and Partnerships:

Customer Reviews:


Yes, Encova Life Insurance Company is a legitimate company.

It is a wholly-owned subsidiary of Encova Insurance, a super-regional insurance carrier based in Columbus, Ohio.

Encova Life is rated A+ (Superior) by A.M. Best, one of the leading rating agencies for the insurance industry.

There are a number of benefits to choosing Encova Life Insurance Company, including:

How do I file a claim with Encova Life Insurance Company?

To file a claim with Encova Life Insurance Company, you can call Encova Life’s customer service number or submit a claim online.

Encova Life will assign a claims specialist to your case and work with you to gather the necessary documentation.

Once the claim is approved, Encova Life will issue a payment to you or your beneficiary.

Yes, you can cancel your Encova Life insurance policy at any time. However, you may be subject to a cancellation fee.

To cancel your policy, you must submit a written request to Encova Life.

Spread the love