Is SureBridge Insurance Legit? Overview, Contacts, Services, Benefits, Financials, Claims and Reviews

SureBridge is a legitimate company with strong financial ratings. However, their poor customer service record is a major concern.

If you are considering purchasing insurance from SureBridge, it is important to be aware of the potential risks.


Is SureBridge Insurance Legit?
[Image: Investopedia]

Is SureBridge Insurance legit?

SureBridge Insurance offers legitimate supplemental and life insurance products. Chesapeake Life Insurance Company, a UnitedHealthcare company, underwrites their policies.

SureBridge is licensed to sell insurance in 46 states and the District of Columbia.

A.M. Best gives SureBridge an A+ (superior) rating, and Standard & Poor’s gives them an A+ (very strong) rating.

These ratings show that SureBridge is financially strong and can meet its claim obligations.

Despite these positive ratings, SureBridge has a known issue with customer service.

The National Association of Insurance Commissioners (NAIC) rates SureBridge with a customer complaint index of 5.52, much higher than the industry average of 1.0.

This means SureBridge receives five times as many complaints as companies of similar size.

Common complaints about SureBridge

  • Deceptive marketing practices
  • Agents who are difficult to reach or unresponsive
  • Difficulty canceling policies

Contact Details

Here are the contact details for SureBridge Insurance:


  • Customer Care: 1-800-815-8535 (TTY/RTT 711)
  • Weekdays, 8 AM to 5 PM in your time zone
  • Producer Support: 1-888-797-4447
  • Monday–Friday, 8:00 a.m.–5:00 p.m.



    • PO Box 31382
  • Salt Lake City, UT, 84131-0382


Online Chat:

  • Live Chat Hours: 7:00 a.m.–7:00 p.m. CT

Please note that SureBridge is currently transitioning from the SureBridge brand to the UnitedHealthcare brand. The current brand will be displayed based on each product.

Services and Products

Is Surebridge Insurance legit?
SureBridge Insurance operates under the Chesapeake Life Insurance Company, a part of the Global Atlantic Financial Group. [Photo: General Agent Center]
SureBridge Insurance designs products to enhance your existing health insurance coverage and provide additional benefits for various needs.

Supplemental Health Insurance

  • Accident Insurance: Covers accidental injuries and related expenses like medical bills, lost wages, and accidental death or dismemberment.
  • Cancer Insurance: Covers cancer-related expenses, including treatment costs, transportation, and recovery care.
  • Critical Accident Insurance: Covers severe accidental injuries resulting in the loss of limb, sight, or hearing.
  • Critical Illness Insurance: Covers critical illnesses like heart attack, stroke, and cancer, providing a lump sum payment for expenses or lost wages.
  • Dental Insurance: Covers routine dental care, such as exams, cleanings, X-rays, and fillings.
  • Disability Insurance: Covers lost wages if you can’t work due to illness or injury.
  • Final Expense Insurance: Covers funeral and burial expenses.
  • Hospital Indemnity Insurance: Provides a lump sum payment for each day in the hospital, regardless of medical bills.
  • Income Protection Insurance: Covers lost wages due to accident or illness.
  • Term Life Insurance: Provides coverage for your family if you die.
  • Vision Insurance: Covers routine vision care, such as eye exams and glasses or contact lenses.

Life Insurance

Benefits of choosing SureBridge Insurance

  1. Affordable Premiums: SureBridge offers plans for different budgets and needs.
  2. Easy to Understand: SureBridge plans are designed to be simple to understand and use.
  3. Large Network of Providers: SureBridge has a vast provider network for your convenience.
  4. Single, Electronic “Smart App”: SureBridge offers a unified, electronic “smart app” for all products, making policy management and information access easy.
  5. Quick Policy Issuance: Policies are typically issued within one business day on average.

Financial Snapshots

Is Surebridge Insurance legit?
Some express satisfaction with the company, but others voice frustration regarding customer service, claims handling, and the cancellation process. [Image: Surebridge]
While SureBridge does not publicly disclose its specific financial information, we can deduce some details from its parent company’s financial reports.

As of December 31, 2022, The Chesapeake Life Insurance Company held total assets amounting to $2.8 billion and total liabilities of $2.3 billion.

This demonstrates the company’s robust financial position and substantial capitalization, ensuring its ability to fulfill claims.

For the year 2022, the company reported a net income of $113 million, indicating its profitability.

This profitability signifies the company’s capacity to generate revenue for meeting claims and investing in its operations.


SureBridge Insurance operates under The Chesapeake Life Insurance Company, a part of the Global Atlantic Financial Group, a well-known financial services organization offering various insurance and retirement products.

Claims Handling and Cancellations

SureBridge’s claims handling process has been criticized for being slow and unresponsive.

Some customers have reported waiting months for their claims to be processed, and others have said that they have been unable to get clear answers about the status of their claims.

Is SureBridge Insurance legit? Policy Cancellations

SureBridge’s cancellation process has also been criticized for being difficult and confusing.

Some customers have reported that they have been unable to cancel their policies online, and others have said that they have been charged cancellation fees even after they have requested to cancel their policies.

Customer Reviews

Customers have given SureBridge Insurance mixed reviews.

Some express satisfaction with the company, but others voice frustration regarding customer service, claims handling, and the cancellation process.
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