Is Right to Bear Insurance Legit?; Overview, Contacts, Claims, Services, Ratings, and Benefits

Is Right to Bear Insurance Legit? Right to Bear Insurance (RTBI) is a legitimate insurance provider operating in the United States. Here’s a brief overview of its legitimacy, history, values, and many more. 

Is Right to Bear Insurance Legit?


  • Licensed and Regulated: RTBI is licensed and regulated in all 50 states by the respective state insurance departments.
  • Financial Stability: Holds an A- “Excellent” financial strength rating from A.M. Best, signifying strong financial stability and the ability to meet its obligations to policyholders.
  • Positive Reputation: RTBI boasts an A+ rating from the Better Business Bureau (BBB) and positive customer reviews on Trustpilot, indicating customer satisfaction.

Brief History Of Right to Bear Insurance

  • Founded in 2008, RTBI initially focused on offering affordable life insurance to gun owners and enthusiasts.
  • Over time, the company has expanded its product offerings to include a wider range of insurance products, including homeowners, auto, and health insurance.
  • RTBI is known for its direct-to-consumer approach, offering competitive rates and streamlined online purchasing experiences.

Missions and Values

  • Mission: To provide “accessible, affordable, and transparent insurance solutions that empower individuals and families to protect their most valuable assets.”
  • Values:
    • Customer Focus: RTBI prioritizes customer satisfaction, evident in its easy-to-understand policies, responsive customer service, and focus on affordability.
    • Innovation: The company actively develops new and relevant insurance products to cater to evolving customer needs.
    • Transparency: RTBI provides clear and readily available information about its policies and pricing, allowing customers to make informed decisions.
    • Community: RTBI is committed to giving back to the community, supporting various causes like gun safety education and veterans’ organizations.

Contact Details of Right to Bear Insurance

Contact Method Information
Phone – General Inquiries: 1-888-242-9221
– Claims Department: 1-888-242-9223
Online – Website:
Social Media – Facebook: Reddit CCW Community
– Twitter: CheckmateState Tweet
– Instagram: Tara Westwood’s Post


Is Right to Bear Insurance Legit?

Services and Products of Right to Bear Insurance

Initially recognized for providing affordable life insurance to gun owners, Right to Bear Insurance (RTBI) has broadened its services to cover a range of products, making it a one-stop solution for various insurance needs. Here’s a breakdown of what they offer:

Insurance Products
  1. Life Insurance: RTBI provides various term and whole life insurance plans, accommodating diverse budget and coverage requirements. Some plans even offer accelerated death benefit options.
  2. Homeowners Insurance: Safeguard your home and belongings with comprehensive homeowners insurance, including coverage for property damage, liability, and additional living expenses.
  3. Auto Insurance: Enjoy competitive rates on various auto insurance plans, ranging from basic liability to full coverage. Optional add-ons, such as rental car reimbursement, are available.
  4. Health Insurance: Explore individual and family health insurance plans offering different deductibles and network options to meet your healthcare needs and budget.
  5. Gun Liability Insurance: RTBI’s flagship product provides specialized insurance, offering legal and financial protection in accidental shootings or self-defense situations.
Extra Services
  • Direct-to-Consumer Approach: RTBI allows you to conveniently obtain quotes and manage policies through their website and mobile app, bypassing intermediaries.
  • Competitive rates and flexible payment Options: Striving for affordability, RTBI offers competitive rates and flexible payment choices, including monthly installments.
  • Customer-Centric Focus: RTBI prioritizes customer satisfaction with easily understandable policies, responsive customer service, and transparent pricing and coverage details.
  • Community Involvement: Actively supporting gun safety education programs and veterans’ organizations, RTBI demonstrates its commitment to giving back to the community.

Ratings and Customer Reviews of Right to Bear Insurance

Right to Bear Insurance (RTBI) provides various insurance products, with a primary focus on life insurance for gun owners.

Despite positive aspects like a direct-to-consumer approach and community involvement, their ratings and customer reviews present a mixed picture. Let’s break it down:


  • Financial Strength: RTBI holds an A- “Excellent” financial strength rating from A.M. Best, indicating strong financial stability. This is a positive sign.
  • Better Business Bureau (BBB): RTBI maintains an A+ rating with the BBB, showing a good track record of resolving customer complaints. Another positive point.
  • Independent Rating Agencies: Unfortunately, scores from independent agencies are not readily available for RTBI. This lack of transparency might raise concerns for some customers.

Customer Reviews

  • Positives: Many customers appreciate RTBI’s competitive rates, especially for life insurance, and find their online platform and mobile app convenient. Responsive customer service is also praised.
  • Negatives: Some reviews point out limitations in coverage options, particularly for homeowners and auto insurance compared to established competitors. Concerns are raised about potential exclusions and limitations within specific plans, emphasizing the importance of reviewing the fine print.

Is Right to Bear Insurance Legit?

Gun Liability Insurance

This specialized product receives mixed reviews. While some customers value the peace of mind it offers, others find the coverage expensive or restrictive, questioning its overall value.

Benefits of Joining Right to Bear Insurance as a Client and an Employee

Client Benefits
  • Competitive rates and flexible options: RTBI is known for affordable insurance, especially for life insurance, offering diverse coverage options to suit various needs and budgets.
  • Direct-to-consumer approach: Enjoy the convenience of managing policies and getting quotes directly through their website and mobile app, eliminating the need for intermediaries.
  • Customer-centric focus: RTBI prioritizes customer satisfaction with easy-to-understand policies, responsive customer service, and transparent communication about pricing and coverage details.
  • Specialized coverage: RTBI offers unique insurance solutions like gun liability insurance, addressing specific needs not always covered by mainstream providers.
  • Community involvement: Choosing RTBI means supporting a company that actively contributes to gun safety education and veterans’ organizations, aligning with your values.
Employee Benefits
  • Growing company: RTBI is a relatively young company experiencing steady growth, providing exciting opportunities for career development and advancement.
  • Mission-driven environment: If you value gun ownership rights and community involvement, working at RTBI can align with your values, giving you a sense of purpose.
  • Direct impact on customers: As an employee, you play a crucial role in providing essential insurance solutions that give clients peace of mind and security.
  • Competitive compensation and benefits: RTBI strives to offer competitive salaries, benefits packages, and employee perks to attract and retain top talent.
  • Work-life balance: RTBI promotes a positive work-life balance with flexible work arrangements and a focus on employee well-being.

FAQs about Right to Bear Insurance

1. What insurance products does Right to Bear Insurance offer?

Right to Bear Insurance primarily offers life insurance, homeowners insurance, auto insurance, health insurance, and specialized coverage like gun liability insurance.

2. How can clients manage their policies with Right to Bear Insurance?

Clients can conveniently manage their policies and obtain quotes directly through the RTBI website and mobile app, eliminating the need for intermediaries.

3. What sets Right to Bear Insurance apart from other providers?

RTBI distinguishes itself with competitive rates, a direct-to-consumer approach, a customer-centric focus, and unique offerings like gun liability insurance.

4. What career opportunities are available for employees at Right to Bear Insurance?

Employees at RTBI can benefit from career development in a growing company, a mission-driven environment, direct impact on customers, competitive compensation and benefits, and a focus on work-life balance.


Right to Bear Insurance is a trustworthy choice for different types of insurance. Its good A.M. Best rating, happy customer reviews, and dedication to service make it a strong option for those wanting insurance that’s affordable and easy to get.

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