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National Family Review

30 reviews

In a Nutshell

National Family Assurance is an insurance start-up that can connect you with insurance carries from across the US. Finding a policy is free and all you need to do is fill out a few basic details about yourself online, and National Family will select the best policy it can find from its vast network.

pros

  • Low monthly costs for coverage of up to $500,000
  • Online search tool is free and easy to use

cons

  • Doesn’t underwrite insurance policies itself
  • Website lacks information about insurance partners

National Family National Family Visit Site

Best For?

National Family Assurance’s online service is best suited to Internet-savvy young people who are trying out life insurance for the first time. It takes only a couple of minutes to fill out the online form and get a quote, saving users the hassle of spending hours conducting their own market research or from having to wait for various insurance agents to call them back.


National Family Life Insurance Review

Features

National Family Assurance is licensed to sell life insurance on behalf of multiple carriers, and therefore features vary. However, as it states on its website, the following features are a fixed part of its service:

  • Guaranteed approval up to age 85
  • No medical exam needed
  • Up to $500,000 in coverage
  • Up to 70% savings on life insurance

National Family states that its goal is to find the right insurance for customers who prefer to apply for and purchase life insurance online, as well as to those who feel more comfortable talking to a licensed agent by phone. Having said that, there is a key difference between the online and phone services: when you fill out an online form, you receive a quote for just 1 policy (selected by National Family’s algorithm); when you talk to an agent over the phone, you can ask to hear about multiple life insurance options.

Application Process

Getting a quote is quick and easy, and it can be done online or on the phone. To get a quote online, you simply need to state the following details:

  • If you already have life insurance or not
  • Gender
  • If you used tobacco in the past 12 months
  • Date of birth
  • Height
  • Weight
  • If you are currently taking any treatment or prescribed medication
  • Name, phone number and email

When filled out using the hypothetical of a 35-year old, non-smoking male of average height and weight in San Jose, California, the following offer was quoted:

  • A 10-year level term policy underwritten by Lumico Life Insurance, which has an A rating from leading insurance ratings agency A.M. Best.
  • Coverage ranged from: $268,000 for a monthly cost of $48.91; $350,000 for monthly cost of $63.88; $400,000 for monthly cost of $73; $450,000 for monthly cost of $82.13, $500,000 for monthly cost of $91.25.
  • Coverage guaranteed never to be reduced or canceled during the term, even if the customer’s health situation were to change.
  • Payments guaranteed not to increase for length of term.
  • 30-day money-back guarantee.

Policy Types and Terms

National Family Assurance doesn’t reveal its full list of policies on its website, preferring instead to engage one-on-one with customers and to offer each person the best policy to suit them. However, it does state that it sells many insurance products, the most popular of which are the Term Life & Final Expense life insurance products underwritten by Lumico Life Insurance Company. These term insurance policies last for 10, 15, 20, or 30 years, and are geared toward young families who want to cover needs within a specific time period (such as a mortgage or college tuition fees). Final expense is for coverage up to $30,000, and is ideal for seniors who want to ensure their funeral is paid for or leave some cash aside for their children and grandchildren.

How Safe Is It?

National Family Assurance’s website employs Norton software to protect its customers’ details. It states in its privacy policy that it follows generally accepted industry standards to protect customers’ information. It also states that it reserves the right to share customers’ information with third parties such as insurance carriers, brokers, and agents offering insurance-related products and services.

Help & Support

Customer support representatives can be contacted by email or by a toll-free phone number. Parent company Assurance IQ, Inc has an A+ rating from the Better Business Bureau, which assesses it for the quality of online feedback and reviews.

National Family National Family Visit Site

 Summary

National Family Assurance is an insurance start-up that connects customers from all 50 states and the District of Columbia with the most suitable life insurance policies from its network of partners. You can find a policy by using National Family’s free online tool or by calling its toll-free phone number. This service works in real-time: to get a quote, simply fill out a few basic details about yourself online, and National Family will select the best policy it can find from its network – and display it on your screen instantly. Alternatively, customer service agents can guide you through your various options by phone.

Physical Address

Assurance IQ, Inc

11400SE 8th ST

Suite 360

Bellevue, WA 98004

Top10.com's editorial staff is a professional team of editors, writers and experts with dozens of years of experience covering consumer, financial and business products and services.

National Family customer reviews

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04 Jul 2020

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Top reviews

T***A, TX
7 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

I liked National Family. It is a good company, reputable and reliable. It is easy to enroll in an insurance policies. They have good options.

T**y, GA
7 months ago

This is a very easy to use platform and I've never had any problems out of it. It works and I am happy with the policy I got.

V****t, PA
7 months ago

Good tool for life insurance products. They really helped out with this application and the full enrollment process.

J*****a, CA
4 months ago

Several plans, convenient and affordable premium policy and excellent customers support are the main reason I gave a top rating.

C*******e, VA
7 months ago

They are a good insurance. I hope if anything happens to me then my family will be taken care of and have money to bury me and some left over for my family.

D*****e, NC
7 months ago

The service offers the life insurance my company needs, it's a better value than other brands and it's safe and secure with all critical information

D**e, MA
8 months ago

They are one of the best companies based on our research for providing families with the insurance service they need

N***A, MO
8 months ago

National Family site is easy to use. They have very good customer service. The rates are competitive compared to others..

M*r, FL
7 months ago

Great value for the installment payments. Also has options to designate beneficiaries at anytime.

A*******a, CA
7 months ago

Not so good customer service. Wish the customer service could work a little faster and had more options

E**a, CA
8 months ago

I've used them for a while and they work well. My parents used them also have a policy with National Family. Never had an issue with the company.

B**h, MO
8 months ago

Because they are honest and know their way around insurance policy and how to help with these things.

S*****y, AR
4 months ago

A popular product that gives security and peace of mind for me and my family. It is highly recommended for peace of mind

L****a, CA
9 months ago

We didn't personally like the company. The customer service wasn't good during the application process. They didn't help us out.

R*****m, IL
7 months ago

National family is a great service that helps ensure that my family is protected.

L***y, TX
7 months ago

National Family Assurance as an insurance marketplace, rather than an insurance carrier or agent, connects you very well with different plans. We got our plan through them.

T*****y, IN
8 months ago

Always reliable and customer service is amazing. They connect you with all different plans, and the pricing available is better than any competition.

S****r, AR
9 months ago

Not the worst or the best. A bit too expensive for their services. Would like to have more options for different plans

V***J, GA
5 months ago

Its a good brand with great offers and meet my needs. Their customer service is good and always ready to help with my problem..

B****i, TX
5 months ago

National Family is a good company to have insurance with. We have had the policy for at least 10 years now and we love them.

30 reviews