American Heritage Health Insurance Company
A review of American Heritage Health Insurance Company leads to American Heritage Insurance Group, a small insurance company headquartered in Cincinnati, Ohio. Started just ten years ago, the company has expanded to four offices with more than $10 million in policies held by the company.
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American Heritage Products
American Heritage is an insurance broker. This means that they contract with other insurance companies to help meet all the needs of their customers. Sometimes they will write the policy themselves, while other times they will contract the policy out to a partnering insurance company. Many insurance companies work as brokers.
Through their partners and in-house, American Heritage sells:
- Commercial insurance
- Homeowners insurance
- Automobile insurance
- Life insurance
- Health insurance
Partnering with other companies means less of a profit for the company, but more of a client base because different types of insurance can be covered. This can be profitable in the long run.
American Heritage partner companies include:
- CNA Surety
- The Hartford
- Donegal Insurance Group
- Citizen Insurance
- Hanover Insurance
- Cincinnati Equitable Insurance Company
- GMAC Insurance
- Celina Insurance Group
- Guide One Insurance
For homeowners insurance, American Heritage has an interesting feature available. Once you purchase a policy, you can fill out the Home Inventory form on the American Heritage website. This form allows you to enter all the possessions in your home so that you have an accurate record of what is in your home in case of fire, theft, or other damage.
The auto insurance policies available through American Heritage are intended for a variety of different types of drivers. Drivers with good driving records, those with past accidents, and those with none or several moving violations can all be considered by American Heritage. Premium rates are set, in part, based on past driving records so some rates may be higher.
Life insurance and health insurance plans offered through American Heritage go hand-in-hand. You do not have to purchase both types of polices at one time, however, the screening process for health insurance and life insurance is similar, so tying these two policies together makes sense and American Heritage customers are encouraged to do so.
American Heritage Financial Status
All licensed insurance agencies are rated yearly by A.M. Best independent insurance rating company. This rating gives consumers a look into the finances of insurance companies so they can make sure they are choosing a financially stable company. The rating is given yearly so the status of the company is constantly under review.
American Heritage has consistently been rated with an A+ status and a financial category of $2 billion or greater. They are licensed to sell insurance in all states except for New York as well as Guam, Puerto Rico, the District of Columbia, and the Virgin Islands. An A+ status is a superior rating and means the company is financially stable.
The insurance industry itself often reviews companies to make sure they are following the guidelines of the insurance industry. In these reviews, American Heritage has received positive reviews and was commended for a great record in producing policies and contracts that bring in a steady stream of revenue.
American Heritage Services
In addition to providing insurance, American Heritage also provides additional services for their customers. These services include risk management for businesses, risk management for large companies, and program management for businesses in need of direction in the area of insurance needs. Risk management is intended to reduce the amount of claims filed by a company.
Adding these services opens the door to new clients and builds the business relationship with current clients. A strong relationship helps customers to stay with an insurance company and trust that company. This way, when there are new insurance needs, a relationship already exists between the client and the company, and multiple policies can be held in one place.
These services along with all the insurance services provided by American Heritage are available in their regional offices. Offices are located in Cincinnati, Milford, London, Middletown, and Springfield. Services can be given at one of these locations or online at the American Heritage website.