Is Asurea Insurance Legit? A Comprehensive Review of This Insurance Marketing Company

Is Asurea Insurance legit? Find out the pros and cons of this insurance marketing company that serves high-risk drivers in all 50 states.
Is Asurea Insurance legit? Find out the pros and cons of this insurance marketing company that serves high-risk drivers in all 50 states.

Asurea Insurance is a company that claims to offer a wide range of insurance products and services to its customers.

The company operates in all 50 states and works with over 80 different insurance carriers.

Asurea Insurance also provides training and support to its agents, who are independent contractors.

But is Asurea Insurance legit, or is it a scam? How does it compare to other insurance companies in terms of quality, price, and customer satisfaction?

In this article, we will answer these questions and more, by reviewing Asurea Insurance from different perspectives.

What is Asurea Insurance?

Asurea Insurance is an insurance marketing company that was founded in 1991 and is based in Roseville, California.

The company’s mission is to “protect American families from financial hardship by providing simple, honest, and affordable insurance solutions”.

Asurea Insurance partners with various insurance carriers to offer a variety of products, such as life insurance, mortgage protection, annuities, final expense, Medicare supplements, and more.

Asurea Insurance also has several programs that target specific groups of customers, such as workers’ compensation, public employee support, debt free life, and auto & home group bundle.

The Asurea Insurance is not an insurance carrier itself, but rather a middleman that connects customers with insurance providers.

Asurea Insurance agents are independent contractors who work on commission and are responsible for generating their own leads, sales, and service.

Asurea Insurance provides training and support to its agents, as well as access to its online platform, where they can manage their accounts, policies, and commissions.

Is Asurea Insurance Legit?

Asurea Insurance is a legitimate and licensed insurance marketing company in all 50 states.

With an A+ rating from the Better Business Bureau (BBB), the company has garnered positive reviews from customers and agents on platforms like Google, Facebook, and Yelp.

The company has also been recognized as one of the top insurance companies in California by Expertise.com, a website that evaluates and ranks local service providers.

What are Asurea Insurance Products?

Asurea Insurance offers a wide range of insurance products and services to its customers, through its partnerships with various insurance carriers. Some of the products that Asurea Insurance offers are:

  • Permanent life insurance: This type of life insurance provides coverage for the entire life of the policyholder, as long as the premiums are paid. Permanent life insurance also has a cash value component, which can be used as a savings or investment vehicle, or as a source of loans or withdrawals.
  • Mortgage protection life insurance: This type of life insurance is designed to pay off the remaining balance of a mortgage in case the policyholder dies or becomes disabled. Mortgage protection life insurance can help protect the family from losing their home in the event of a tragedy.
  • 403 (b) retirement plan: This type of retirement plan is designed for non-profit and public sector employees, such as teachers, nurses, and government workers. A 403 (b) plan allows the employee to contribute a portion of their salary to a tax-deferred account, which can be invested in various options, such as mutual funds, annuities, or life insurance. A 403 (b) plan can help the employee save for retirement and reduce their taxable income.
  • Annuities: Annuities are financial products that can provide a steady stream of income for a specified period of time, or for life. Annuities can be used as a retirement savings or income tool, or as a way to transfer wealth to beneficiaries. Annuities can be either fixed or variable, depending on the rate of return and the level of risk involved.
  • Final expense insurance: Final expense insurance covers funeral, burial, or cremation costs, along with end-of-life expenses like medical bills, credit card debt, or legal fees. It alleviates the financial burden on the deceased’s family, enabling them to focus on grieving and healing.
  • Medicare supplements: These are health insurance products that can help cover the gaps and out-of-pocket expenses that are not covered by the original Medicare plans, such as deductibles, coinsurance, copayments, and excess charges. Medicare supplements can help reduce the health care costs and risks for seniors and people with disabilities.

What are Asurea Insurance Benefits?

Asurea Insurance has some benefits that may appeal to some customers and agents, such as:

  • Personalized Service:
  • Flexible Payment Plans:
    • Offers diverse payment plans (monthly, quarterly, or annually) to accommodate varying budgets and cash flow.
    • Provides flexibility in policy terms, including options for one, three, six, or 12 months, based on customer preference.
  • SR-22 Filing Assistance:
    • Assists customers in filing SR-22 forms, necessary for proving minimum required liability insurance mandated by the state.
    • Aids customers with diverse needs for SR-22 filing, such as DUI, suspended license, or serious traffic violations, finding optimal rates and coverage.
  • Additional Endorsements:
    • Offers optional endorsements for enhanced protection and convenience.
    • Includes endorsements like towing and rental reimbursement, addressing costs related to breakdowns or accidents by covering towing and rental expenses.

What are Asurea Insurance Complaints?

Asurea Insurance has also received some complaints and criticisms from its customers and agents, such as:

  • High fees and charges: Asurea Insurance agents have to pay for their own leads, which can be expensive and low-quality. The company also charges fees for policy changes, cancellations, and reinstatements, which can increase the cost of insurance for customers. The company does not offer many discounts or bundling opportunities, which may limit the potential savings for customers.
  • Poor customer service and claims handling: Asurea Insurance has received many complaints from its customers and agents, especially regarding its customer service and claims handling. Some customers have reported that their claims were delayed, denied, or mishandled by the company or its partner carriers. Some agents have also reported that the company’s customer service was rude, unprofessional, or unresponsive. The company has a high complaint ratio from the National Association of Insurance Commissioners (NAIC), which indicates that it receives more complaints than expected for its size and market share.
  • Low financial strength and stability: Asurea Insurance has a B++ (Good) rating from A.M. Best, which is lower than some of its competitors. A low financial strength rating means that the company may have difficulty paying out claims in the event of a large-scale disaster or a sudden increase in claims. A low financial strength rating may also affect the company’s stability and growth in the long term.

What is Asurea Insurance Customer Service?

Asurea Insurance customer service is the department that handles the inquiries, requests, and complaints of the customers and agents.

The Asurea Insurance customer service can be contacted by phone, email, or online chat, depending on the issue and the preference of the customer or agent.

Asurea Insurance customer service aims to provide prompt, courteous, and professional service to its customers and agents, and to resolve any issues or concerns that they may have.

However, Asurea Insurance customer service has also been criticized for being rude, unprofessional, or unresponsive, by some customers and agents.

Some customers and agents faced challenges reaching or communicating with Asurea Insurance customer service, reporting unsatisfactory responses or solutions.

Customers and agents reported poor treatment by Asurea Insurance customer service reps, along with instances of false or misleading information.

asurea insurance careers

If you are interested in working for Asurea Insurance, you can explore the different career opportunities that the company has to offer. Some of the jobs that Asurea Insurance has available are:

  • Sales Consultant: As a sales consultant, you will be responsible for generating leads, contacting potential customers, presenting and selling insurance products, and providing excellent customer service. You will also have access to the company’s online platform, where you can manage your accounts, policies, and commissions. You will need to have a valid insurance license, a reliable vehicle, and a strong work ethic. You will also need to be self-motivated, goal-oriented, and adaptable. You can work remotely, full-time or part-time, and set your own schedule. You can earn from $50,000 to $200,000 a year, depending on your performance and sales volume.
  • Administrative Assistant: As an administrative assistant, you will be responsible for providing administrative and clerical support to the company and its agents. You will also be responsible for answering phone calls, emails, and online chats, scheduling appointments, processing payments, filing documents, and maintaining records. You will need to have a high school diploma or equivalent, a computer with internet access, and a phone. You will also need to have excellent communication, organizational, and problem-solving skills. You can work remotely, full-time or part-time, and earn $13 an hour.
  • Appointment Setter: As an appointment setter, you will be responsible for contacting leads and setting appointments for the sales consultants. You will also be responsible for confirming appointments, following up with customers, and providing feedback to the sales team. You will need to have a high school diploma or equivalent, a computer with internet access, and a phone. You will also need to have strong communication, persuasion, and customer service skills. You can work remotely, full-time or part-time, and earn a base salary plus bonuses.

ALSO READ

Spread the love