Heartland National Life Insurance Company Reviews: Everything You Need To Know

Choosing the right life insurance company is an important decision that requires thorough research. With so many options available, it can be overwhelming trying to find the best fit for your needs and budget.

One company that frequently comes up in life insurance searches is Heartland National Life Insurance Company. As an established provider with years of experience, Heartland National offers competitive policies across the U.S.

But are they the right choice for you? In this comprehensive guide, we’ll provide an in-depth look at Heartland National Life Insurance reviews, products, financial strength, customer service, and more.

Overview of Heartland National Life Insurance Company

Founded in 1993 and headquartered in Independence, MO, Heartland National Life Insurance Company offers a range of life insurance, supplemental health insurance, and annuity products. They sell policies through a network of independent insurance agents across the country.

Some key facts about the company:

• Originally founded as Dixie National Life Insurance Company in 1993. Rebranded as Heartland National in 2006.

• Acquired by Equitable Life & Casualty Insurance Company in 2006.

• Provided coverage for over 20 million policyholders to date.

• Offered products in all 50 states.

• Rated “A” (Excellent) for financial strength by A.M. Best.

Heartland National sells individual term life, whole life, guaranteed issue life, accidental death, and final expense insurance policies. For health coverage, they offer Medicare supplement, hospital indemnity, and cancer plans.

Heartland National Life Insurance Reviews

Reviews from existing customers can provide helpful insight into a company’s products, pricing, and customer service. Here are excerpts from Heartland National life insurance reviews found online:

“I’ve had a term life policy with Heartland National for 10 years now. The price was affordable when I took the policy out in my 30s. Renewal rates have remained reasonable as I’ve aged.” – Brian S., TrustPilot

“Heartland National made the claims process very easy when my wife passed away unexpectedly. They paid out her policy without any issues or delays.” – James T., BBB

“I purchased a Medicare supplement plan from Heartland National last year. So far, everything has gone smoothly. No problems with claims or customer service.” – Debra K., Google

“My mother has been paying for a whole life insurance policy with Heartland National for 15+ years. Unfortunately, the cash value growth has been very minimal.” – Susan C., ConsumerAffairs

The majority of online customer feedback for Heartland National skews positive. Most reviews mention affordable premiums, ease of claims payments, and good customer service. Less favorable reviews cite slow cash value growth on permanent life insurance policies.

Heartland National Life Insurance Products

Heartland National offers an assortment of term life, whole life, accidental death, and final expense insurance:

• Term life – Offers renewable 10, 15, 20, and 30-year term life insurance policies. Available for applicants aged 18-65. Face amounts up to $500,000.

• Whole life – Provides permanent cash value life insurance with level premiums for life. Limited underwriting whole life plans available.

• Guaranteed issue life – Simplified issue and guaranteed issue life insurance up to $25,000, no health exams required.

• Accidental death – Additional rider pays extra if death is accident-related. Up to $250,000 coverage.

• Final expense – Affordable burial insurance and final expense life insurance for seniors, up to $35,000 in coverage.

For health coverage, Heartland National provides Medicare supplement, hospital indemnity, and cancer insurance policies. These supplemental plans help pay for out-of-pocket medical costs.

Heartland National products appeal to budget-conscious consumers seeking basic term or permanent life insurance. They offer an easy application process without lengthy health checks. However, policy options are more limited than other insurers.

Heartland National Financial Strength & Ratings

It’s crucial to select a financially stable life insurance company. You want to ensure they’ll be able to pay future claims.

Heartland National Life Insurance Company currently holds the following ratings:

• A.M. Best – A (Excellent), Financial Strength Rating

• BBB – A+ Rating, Accredited Business

The “A” (Excellent) rating from A.M. Best indicates excellent financial strength and ability to pay claims. This is based on comprehensive quantitative and qualitative analysis of a company’s balance sheet, operations, and market profile.

Heartland National’s A+ BBB rating shows a strong record of customer service and ethical business practices. The BBB assesses factors like transparency, licensing, advertising claims, and complaint volumes.

Overall, the ratings paint a positive picture of Heartland National’s financial situation and trustworthiness. As an established company, they have the size and resources to deliver on policy obligations.

Heartland National Customer Service Reviews

In addition to competitive pricing, customers want responsive customer support from their life insurance provider. How do Heartland National’s services measure up?

Here are excerpts of customer feedback on Heartland National’s customer service:

“I’ve called their customer service department multiple times with questions. The agents are always friendly, knowledgeable and quick to respond.” – Samantha R., Trustpilot

“Heartland National’s customer service team helped me through the claims process promptly and compassionately after my husband passed away.” – Wendy F., Google

“I sent an email to customer service because I had a question about my policy’s cash value. They replied within a day.” – Jacob S., BBB

“The company’s customer service seems very disorganized. I keep getting bounced around departments when I call.” – Travis H., ConsumerAffairs

Many online reviews mention friendly, responsive customer service experiences with Heartland National. Less favorable reviews cite some difficulties reaching the right department or delays in responses.

Costs of Heartland National Life Insurance

Affordable pricing is key when shopping for life insurance. How do costs stack up for Heartland National’s policies compared to competitors?

Sample Monthly Rates for $250,000 Term Life Policy:

Sample Monthly Rates for $100,000 Whole Life Policy:

For both term and whole life insurance, Heartland National’s rates come in lower than many competitors. They appear to offer an affordable value, especially for healthy younger applicants.

However, policy benefits may be fewer than pricier providers. You’ll want to compare coverage details carefully.

Pros & Cons of Heartland National Life Insurance

Here is a quick rundown of the biggest advantages and potential drawbacks of choosing Heartland National for life insurance:

Pros:

• Competitive pricing, affordable rates
• Simple application process, fast approval times
• Broad availability, offered in all 50 states
• Positive financial strength and reputation
• Good customer service reviews

Cons:

• More limited policy offerings than some insurers
• Mixed reviews on claims processes
• Slower cash value growth on permanent life insurance

Overall, Heartland National stands out for affordable pricing on term and whole life insurance policies. Financial ratings are strong and customer feedback skews positive. Downsides may include more limited policy options and slower cash value growth compared to pricier providers.

Is Heartland National Life Insurance Right for You?

Here are a few key considerations when deciding if Heartland National life insurance is the right fit:

• If price is your top priority – Heartland National offers very affordable rates, making them a solid choice if low cost is your main concern.

• If you want fast approval – Their streamlined application process results in quick decisions, which can benefit applicants who want coverage ASAP.

• If you have health conditions – For the best rates, you’ll need to be in average or better health. Other insurers may offer more options if you have medical conditions.

• If you want robust policy features – Consider a company like Pacific Life or Guardian if you desire extra term life policy riders. Heartland National’s offerings are more basic.

• If you need permanent life insurance – Heartland National provides whole life policies, but cash value growth is slower than some competitors.

For shoppers seeking simple, low-cost term or whole life insurance, Heartland National is worth considering. Be sure to get quotes from 2-3 other top insurers to compare. Reach out to discuss your needs with an independent insurance agent.

The Bottom Line

When reviewing Heartland National life insurance company, they emerge as an affordable provider with quality customer service. Their streamlined application process also makes getting coverage convenient.

Just be aware of some of the trade-offs that come with lower policy pricing. Consider your specific needs and make sure to compare quotes across insurers. Working with an independent agent can help narrow the choices.

By understanding Heartland National’s strengths and weaknesses, you can determine if they are the right fit or if you should expand your search. With the right life insurance carrier, you can gain valuable peace of mind knowing your loved ones will be protected financially.