This Investors Insurance Corporation Health Insurance Company Review will discuss Investors Insurance Corporation, which is a part of Athene Life. Investors Insurance Corporation is based out of Jacksonville, Florida, and Athene is based out of Bermuda. A. M. Best has given the company a financial rating of B++, which is considered good and their financial outlook is stable. Unfortunately, neither company offers health insurance products.
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Investors Insurance Corporation Location
Investors Insurance Corporation is headquartered in Jacksonville, Florida. The address is
P. O. Box 56050
Jacksonville, FL 32241- 6050
Phone number: 904-260-6990
Fax number: 904-268-0684
The location of Athene Life is:
Chesney House, 1st Floor
96 Pitts Bay Rd.
Pembroke, HM 08, Bermuda
Phone number: 441- 279- 8400
Fax number: 441- 279- 8401
Investors Insurance Corporation and Athene Products
The main focus of Athene Life is the retirement services market. The core business for Athene is fixed annuity reinsurance. Their main customers are insurance companies who sell annuity and life insurance products.
The specific liabilities that Athene reinsures include immediate annuities, fixed deferred annuities, and funding agreements. For fixed deferred annuities, they reinsure traditional guarantees of one year, guarantees for multiple years, and equity- indexed annuities.
Investors Insurance Corporation Insurance Products
Investors Insurance Corporation focuses mostly on three main insurance products. These are accident, annuity, and life insurance.
Investors Insurance Corporation Accident Insurance
The purpose of having accident insurance is to cover expenses that may not be covered by your primary health insurance. If you have an accident at work or elsewhere oftentimes not all of your medical expenses will be paid by your health insurance policy. An accident policy helps to cover the gap.
The accident insurance policy can cover:
- Hospital bills
- Inpatient care
- Outpatient care
In some policies, they also cover non-medical expenses if you are out of work for a time being. These expenses may include:
Investors Insurance Corporation Annuities
Investors Insurance Corporation offers annuities. Annuities have a number of benefits. They provide a death benefit that may be able to get around and avoid probate, which can take time and money; they also provide growth in which are tax deferred, liquidity, and different income options. Annuities are not right for everyone but are a good choice for certain individuals.
Annuities may be the best way to go for you if:
- You would prefer to have an interest rate that has a guaranteed minimum
- Would like to pay the taxes at a later date
- Feel comfortable that you will not need extra cash in the upcoming/immediate future
- You are already putting the maximum amount allowed into your qualified plan or IRA
Investors Insurance Corporation Life Insurance
Life insurance is an important piece of your financial puzzle. It helps to cover expenses in the unfortunate event of death. Without it, many families would lose their home, not be able to pay for college, or even be unable to cover daily expenses. One of the biggest products that Investors Insurance Corporation offers is life insurance. There are different types of life insurance, depending on your budget and current or future needs.
Term life insurance is insurance that guarantees a cash benefit for a specified amount of time, or term. This insurance is more affordable and is often chosen by families or individuals who have a temporary need for coverage, such as college tuition. The terms vary from 5 years up to 20 years of coverage. Term insurance is renewable, although the premiums usually increase because they are based on the age of the individual.
Universal life insurance is a more permanent type of insurance. The premiums are higher than those of term insurance but there is a cash value to universal life insurance, so it also helps contribute to your retirement income. Most universal life policies have guaranteed premiums so the earlier in age you purchase a policy the better.