Integrity Life Insurance Company, Ohio (OH): Address, Phone Number, Products, Claims, Reviews & Ratings

Integrity Life Insurance Company is a member of Western & Southern Financial Group since 1966.

Integrity Life Insurance, headquartered in Cincinnati, Ohio, holds licenses to offer annuities and life insurance nationwide.

As part of the Western & Southern Financial Group, a prominent financial services conglomerate established in 1888, it benefits from a legacy of strength and stability.

This group is recognized as one of the world’s most financially robust life insurance entities.

Integrity Life Insurance Company
Integrity Life Insurance Company: Photo(DPL Financials)

They encompass both Integrity Life Insurance Company and National Integrity Life Insurance Company.

The group extends services across all 50 states and the District of Columbia.

With a history dating back to 1966, Integrity Life  Insurance Company remains committed to delivering lifelong financial security and confidence to its valued clients.

Assets and Liabilities:

  • Total Assets: $7,572,129,522
  • Total Liabilities: $6,276,354,986
  • Capital and Surplus: $1,295,774,536
  • Assets to Liability Ratio: 120.65%

Ratings:

  • A.M. Best: 2nd of 15 ratings
  • Standard & Poor’s: 4th of 20 ratings
  • Moody’s: 4th of 21 ratings
  • Fitch: 3rd of 21 ratings

Integrity Life Insurance Company Contact Details

Phone Number:  (800) 325-8583

Company Address400 Broadway Cincinnati, OH 45202
United States of America

Email Address: service@integritycompanies.com

Website: https://www.westernsouthern.com/distributors/about/integrity-companies

 Integrity Life Insurance Company Advantages

Integrity Life Insurance offers several compelling advantages:

Money-Back Guarantee: Enjoy a 100% money-back guarantee and a 30-day “cooling-off” period, allowing you to cancel your policy and receive a full refund.

This ensures you have ample time to evaluate your policy without financial risk.

Tax-Free Death Benefit: The death benefit paid to your beneficiary is typically income tax-free, ensuring a transparent and predictable transfer of assets.

Long-Lasting Assurance: With decades of industry experience and strong financial stability ratings, Integrity Life Insurance provides policies designed to last.

Interim Accident Coverage: Policyholders receive interim accident coverage during the application process, ensuring continuous protection.

Automatic Policy Upgrades: As Integrity Life enhances coverage offerings, your policy is automatically upgraded, providing consistently high-quality protection.

Flexible Policy Customization: Policies can be tailored to meet your evolving needs through various add-ons, ensuring your coverage adapts to your life.

Worldwide Coverage: Your coverage extends globally, offering protection for both business and leisure travel.

Effortless Claims Reporting: 24/7 claims reporting is available online, by phone, or via mail, with minimal paperwork and follow-up requirements.

Also Read: EMC National Life Company (Iowa): Contacts, Services, Financials, Claims, Reviews, Legal Compliance and Benefits

Integrity Life Insurance Company Disadvantages

While Integrity Life Insurance is accessible in most states, coverage may not be available nationwide.

The company operates in all U.S. states and the District of Columbia, with the exception of New York.

However, Western & Southern Financial Group, the parent company, offers life insurance products in New York through National Integrity Life Insurance Company.

Integrity Life Insurance Company Products

Integrity Life Insurance offers a single product, Legacy Forward II, which is highly customizable to meet diverse needs and budgets.

This universal life insurance policy offers features such as policy loans, withdrawals, Critical Illness and Terminal Illness benefits, and an Accelerated Death Benefit Rider.

It provides a lump sum benefit upon death or a terminal illness diagnosis.

Legacy Forward II Single Premium Universal Life (SPUL) efficiently leverages a single payment into an income-tax-free death benefit.

The policy is available to individuals aged 18 to 80.

And is issued by Western-Southern Life Assurance Company and National Integrity Life Insurance Company.

It comes with a return of premium guarantee and riders for chronic and terminal illnesses.

Policy decisions are delivered within minutes through electronic underwriting, making it a convenient and versatile choice.

Integrity Life Insurance Company Annuity Options

The company offers a range of annuity options designed to address long-term financial challenges and provide protection against various risks:

Fixed Annuities: These annuities accumulate interest at a predetermined rate, with the funds available for future income disbursements.

Income Annuities: Designed to create income or secure future retirement income guaranteed for life.

 Variable Annuities: Offer investment options linked to stock market performance.

Indexed Annuities: These annuities earn interest based on changes in a market index while providing protection against the loss of principal.

 Integrity Life Insurance Company Ratings

  • A.M. Best: Rated “A+” (Superior)
  • Standard & Poor’s: Rated “AA-” (Very Strong)
  • Moody’s: Rated “Aa3” (Excellent)
  • Fitch: Rated “AA” (Very Strong)
  • Better Business Bureau: Rated “A+” (Excellent)
  • Comdex: Ranked in the 96th percentile of rated companies

Also Read: Great Midwest Insurance Company, Texas (TX): Contacts, Claims, Reviews, Owner, Ratings, Surety Bonds, Financial Details, Coverage Details, Legal and Compliance

When considering life insurance, the company’s ratings are a vital factor in your decision-making process.

These financial strength ratings offer valuable insights into the company’s stability and reliability, assuring that they can fulfill their financial commitments to policyholders.

Integrity Life Insurance holds excellent ratings, providing you with confidence in their ability to fulfill claims in times of loss.

These ratings consider various factors, including net income, combined ratio, and policyholder surplus, ultimately reflecting the company’s capacity to meet policyholders’ claim requirements.

Conclusion:

Integrity Life Insurance Company stands out as a flexible and financially sound provider offering a customizable life insurance product designed to meet your evolving needs.

This policy can be adjusted in the future to align with any changes you make post-purchase.

With versatile coverage options and an efficient application and claims process, you can achieve financial peace of mind.

However, while Integrity Life is a reputable company, it’s wise to explore your alternatives to ensure your policy aligns perfectly with your unique requirements.

Life insurance isn’t a one-size-fits-all solution, making it crucial to invest time in comparing multiple options before finalizing your choice.

Collaborating with a broker simplifies the process by enabling you to compare rates and policies conveniently.

Moreover, it provides access to an agent well-versed in the underwriting process, offering expert guidance along the way.

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