Is Esurance Life Insurance Legit: Overview, Offerings, Pros & Cons

Is Esurance Life Insurance Legit: Empower your future with Esurance Life Insurance.

An image illustration of Esurance Life Insurance
Discover the confidence that comes with reliable life insurance.

Life insurance plays a crucial role in safeguarding your family’s financial future in the event of your passing.

But with numerous options available, how can you be sure Esurance Life Insurance is the right choice?

In this blog, we delve into the company’s history, offerings, and pros and cons to guide you in making an informed decision.

Company Overview

Esurance Life Insurance, a part of Esurance Insurance Services, Inc., was founded in 1999 and gained prominence as one of the first insurers selling policies directly online.

Acquired by Allstate in 2011, Esurance is led by CEO Jonathan Adkisson, ensuring a stable and reputable foundation.

Basic Information

Key facts about Esurance Life Insurance:

  • Contact: 800-378-7262, 650 Davis Street, San Francisco, CA 94111.
  • Customer Service: Reachable via phone, email, or online chat. Online account management available.
  • Policy Details: Offers term life insurance with customizable coverage amounts, term lengths, and premium payments. Quotes accessible online or by phone.

Services & Products

Esurance Life Insurance simplifies life insurance with:

  • Term Life Insurance: Coverage for 10, 15, 20, or 30 years, ideal for temporary protection or budget constraints. Online or phone application, up to $500,000 coverage without a medical exam.

Pros and Cons

Consider the advantages and disadvantages: Pros:

  1. Financial Stability: Supported by Allstate, Esurance boasts an A+ rating from A.M. Best, indicating strong commitment to policyholders.
  2. Simplicity: Offers straightforward term life insurance, catering to those seeking temporary protection or on a budget.
  3. Convenience: Fast and easy application process, online or by phone, with options for customization.


  1. Limited Availability: Operates in 43 states and the District of Columbia, limiting accessibility.
  2. Competitive Rates: May not offer the most competitive rates based on factors like age, health, and coverage amount.
  3. Product Diversity: Lacks some innovative features compared to competitors, such as various life insurance types and additional riders.

Additional Information About Esurance Life Insurance

Explore these relevant aspects of Esurance Life Insurance for a more comprehensive understanding:

  1. Social Responsibility and Sustainability: Esurance Life Insurance prioritizes social responsibility and environmental sustainability.

By supporting causes like The Trevor Project, Feeding America, and The Nature Conservancy, and employing renewable energy, paperless billing, and hybrid vehicles, they actively contribute to positive change.

  1. Online Resources: Access valuable information on Esurance Life Insurance’s comprehensive website.

FAQs, policy documents, claims filing, and more are readily available. Stay updated by subscribing to their newsletter and connecting on social media platforms such as Facebook, Twitter, and Instagram.

  1. Educational Content: Esurance Life Insurance’s blog offers insightful articles and tips on life insurance, estate planning, retirement, and family matters.

Explore helpful tools and calculators, including a life insurance needs calculator, a life insurance glossary, and a life insurance checklist.


Q: How can I cancel my Esurance Life Insurance policy?

A: To cancel your policy, reach out to your agent or the company directly. Submit a written request and return your policy document.

Depending on policy type and duration, you may be eligible for premium refunds or a surrender value for your cash value.


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