Occidental Life offers full, term, and universal life insurance. Moreover, you can customize your coverage by choosing from the company's many insurance riders by calling the Occidental Life Insurance customer service number. Adding riders to your American amicable agent login policy can make your coverage fit your needs. Given the company's complaint rates and inadequate coverage limits, another life insurance provider may offer better service and larger policies.

Benefits of Occidental Life Insurance

Limited But Good Policies

Occidental Life has many policy alternatives that are amicable to meet customer demands. This flexibility lets people choose coverage that fits their financial objectives and circumstances, which is a major benefit. Occidental Life offers term, whole life, and universal life policies to meet varied demands.

Term plans are popular for protecting a mortgage or providing financial security for young dependents. Whole life insurance offers lifelong protection and a growing cash value component for savings or financial buffers. Universal life policies allow policyholders even greater flexibility to change premiums and death benefits to suit evolving financial needs.

Several Riders

Occidental Life's vast rider selection for additional fees sets it apart. Riders allow policyholders to modify their coverage beyond standard death benefits to address specific requirements or hazards. For instance, the accelerated death benefit rider lets policyholders with terminal illnesses receive a portion of their death benefit from American amicable agent login for financial help.

Occidental Life provides limited care riders to help policyholders pay for nursing home or assisted living care. If policyholders become handicapped and cannot work, disability income riders might help them pay their bills.

Disadvantages of Occidental Life Insurance

Online Quotes Unavailable

Many insurance companies offer online quotes, but Occidental Life requires buyers to speak with an agent using the Occidental Life Insurance customer service number; working with an agent can provide individualized direction and support. Still, lacking an online quote tool might be difficult for people who prefer to compare options independently or appreciate internet services. Without rapid quotes, prospective policyholders may find it harder to compare insurance providers, which may frustrate or confuse them.

Lower Maximum Coverage Amounts

One negative of Occidental Life's plans is the lower maximum coverage amounts compared to other insurance firms. Competitive term life insurance policies may cover up to $1 million, while Occidental Life limits face sums to $500,000 for 18-45-year-olds and $300,000 for 46-70-year-olds. This constraint may not allow for higher financial protection for families, especially those with huge debts or beneficiaries depending on larger death benefits. Due to Occidental Life's coverage limitations, potential clients may choose providers amicable for larger coverage thresholds to meet their needs.

Medical Exams Required

Occidental Life's underwriting may require medical checks. Many life insurance firms conduct medical exams to assess health and set premiums, which may deter applicants with prior problems or who want a faster application process.

Available Plans

Occidental Life offers term, whole, and universal insurance. Its plans are fully underwritten, requiring a health questionnaire and medical exam. Occidental Life policies must be purchased by accessing an American amicable agent login. The different selections from Occidental Life include:

Term Life

Term existence insurance is popular because of its decreased value than typical lifestyle coverage. If you die at some stage in the coverage period, your beneficiaries acquire a death gain. Occidental Life Easy Term offers flat-term life insurance for 10, 20, or 30 years. Policies can be renewed, and riders can be added. Term Life coverage is $25,000$500,000.

Universal Life

Universal life insurance is perpetual. However, you can adjust your premiums and death benefit as your needs change. Occidental Life's Easy UL offers death benefits and cash value. Maximum coverage is $250,000.

Whole Life

Whole life insurance, like universal, is perpetual. Whole life insurance is amicable to build cash value but not modify premiums or death payouts. Whole life options from Occidental Life:

• Family Choice: Only under-49s can get Family Choice plans. Depending on age, you can buy coverage for $35,000.
• Financial Lifeline: A Financial Lifeline is a modified entire life policy. However, you can employ cash-value annuities for retirement. Coverage is limited to $150,000.
• Senior Choice: The Senior Choice plan covers persons 5085. You can get $35,000 coverage if you qualify.

Available Riders

Available Riders Insurance riders offer additional coverage, early death benefit access, or coverage for family members at an extra cost. You can choose the best for your needs by calling the Occidental Life Insurance customer service number. Occidental Life offers many riders, including:

Accelerated Benefits

With the expedited benefits riders, you can use a portion of your life insurance benefit while alive if you have a chronic or terminal illness. Some plans offer free accelerated chronic and terminal illness benefits.

Confined Care Benefits

With the expedited benefits for confined care riders, you can receive a monthly payment if confined to a nursing facility at least 30 days after your policy was issued. Term insurance is amicable to customers; benefits are 2.5% of the policy face amount, up to $5,000. Whole life insurance benefits are 5% of the face value. This rider will reduce the death benefit to your beneficiaries.

Accidental Death

The accidental death rider increases your beneficiaries' death benefit if you die in a covered accident.

Child Insurance

The children's insurance rider lets you buy term life insurance for under-17s. The child can convert the plan to entire life insurance at 25.

Premium Refund

If you live after your term expires, certain term life insurance will pay back some of your premiums.

Customer Service

Online Occidental Life policy quotations are unavailable. You must contact an insurance representative by calling the Occidental Life Insurance customer service number. Customers can obtain policy details and download claims forms from the company's portal. Call 800-736-7311 for customer service. Customer assistance is available Monday through Friday from 8 a.m. to 4:45 p.m. CST.

Complaint Index

Occidental Life must improve its customer complaint performance on American amicable agent login. NAIC complaint ratios link customer complaints to company size. The industry standard ratio is 1.0. Company ratios below 1.0 indicate fewer complaints than expected for their size.