Starmount Life Insurance Company Review (2022)
Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance.
Not only does he strive to provide you with the …
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Written by
Jeffrey Manola
Founder & Licensed Agent
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs.
She has since used that knowledge in her more than ten years as a writer, largely in the insur…
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Reviewed by
Leslie Kasperowicz
Farmers CSR for 4 Years
UPDATED: Feb 15, 2022
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Facts You Should Know
Starmount Life Insurance Company offers group and individual life insurance policies, along with vision and dental options
Group policies with Starmount are guaranteed issue, but individual term and whole life insurance policies may require medical exams
Starmount has an A (Excellent) rating with A.M. Best and an A+ rating with the Better Business Bureau
If you’re searching for a life insurance policy, you may want to read some Starmount Life Insurance reviews and learn more about the company.
Starmount Life Insurance offers different life insurance products, along with dental and vision coverage in partnership with Unum. With Starmount, you may be able to find a life insurance policy that works for you and meets your needs and the needs of your loved ones.
As you shop around for life insurance coverage, be sure to find and compare several different companies using an online life insurance quote tool before making a final decision. This will help you find the ideal coverage at an affordable price rather than paying too much for a life insurance policy.
You can use our free quote tool above to find and compare life insurance rates from different companies in your area today.
What products does Starmount Life offer?
Starmount Life Insurance Company’s website does not provide any details when it comes to the types of life insurance options and policies the company offers. The website does not make it clear whether individuals can purchase policies directly from Starmount or whether they need to purchase life insurance as part of a group plan with the company.
Starmount Life Insurance Co. does mention on the company website that it offers both Starmount dental and Starmount vision plans in partnership with Unum.
Though Starmount’s website is not very helpful when it comes to information about specific products the company offers, a flyer of the company’s products found online mentions the following options when it comes to Starmount Life Ins. Co. group insurance plans through an employer:
Dental insurance
Vision insurance
Critical illness insurance
Accident insurance
Life insurance
Disability insurance
Starmount does also offer a few options for individuals. These insurance options include:
Dental insurance
Vision insurance
Modified whole life insurance
Jumbo accidental death insurance
Accidental death and dismemberment insurance
Youth life insurance
In addition to the options through a group plan or with individual policies, Starmount Life offers a few extra benefits and services, including:
Hearing savings plan
Fully insured hearing rider
Health advocacy program
Employee assistance program
Depending on what you’re looking for, you may be interested in some of Starmount’s products listed above. If that’s the case, you can call the company directly and speak with an agent who can give you more information.
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What is included in Starmount’s group life plans?
If you purchase life insurance with Starmount through a group life plan, you have the option of purchasing either a basic or voluntary life insurance policy.
Each of these options offers flexible coverage potential, a guaranteed issue regardless of your current health status or your family’s health history, and optional accidental death and dismemberment coverage for potential added life insurance benefits.
Starmount states that its overall goal is to help protect families and loved ones from financial distress after losing someone they love. The goal with these coverages is to do just that, ensuring that beneficiaries receive the death benefits of the policies when they need them the most.
If you purchase an individual life insurance policy with Starmount, you can receive up to $75,000 in a modified whole life insurance policy up to age 120 or a term life insurance policy up to age 95. Individual life insurance policies offer both a living benefit and a cash value accumulation over time. Individual policies do require clients to answer a few health questions and potentially take a medical exam.
If you’re looking for more life insurance options, you can always call Starmount to get specific information and ask for a quote. But be sure to continue to shop around for a life insurance policy in order to avoid paying more than you need to for coverage.
How much is life insurance with Starmount?
Life insurance policies with Starmount will vary based on a variety of factors. The most common factors that impact a person’s life insurance rates include:
Age
Gender
Policy type
Policy amount
Health status
Health history
Family health history
Occupation
Lifestyle
Tobacco use
Marital status
Location
It’s hard to know how much you would pay for life insurance until you compare quotes from multiple companies. The table below shows average monthly life insurance rates for a $30,000 whole life insurance policy for men.
$30,000 Whole Life Insurance Average Monthly Rates by Age and Company for Men
CompanyAge 50 Average Monthly RatesAge 60 Average Monthly RatesAge 70 Average Monthly RatesAge 80 Average Monthly Rates
Assurity$82.06$120.55$214.75$462.30
Mutual of Omaha$81.06$121.86$214.69$391.56
Americo$88.59$123.44$211.19$429.36
Liberty Bankers Life$82.27$128.14$210.67$431.14
Phoenix$82.17$121.53$209.94$432.47
American-Amicable$87.12$132.00$224.43$448.80
United Home Life$84.35$125.38$215.19$407.10
Settlers$94.35$135.92$218.54$461.81
Transamerica$85.04$124.29$216.83NA
Foresters$89.70$129.26$212.42$433.91
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As you can see, rates vary from one company to the next. This is the same when it comes to a whole life insurance policy for women as well as a term life insurance policy for either men or women.
When you shop around for life insurance coverage, you may find that rates with Starmount are higher or lower than rates you get from other companies. This could be for a number of reasons. But you can always speak to a company representative to see if you are eligible for any discounts on life insurance coverage with Starmount.
Does Starmount Life Insurance have good ratings and reviews?
Starmount has received an A (Excellent) rating and a stable outlook for future endeavors from A.M. Best. Starmount also has an A+ rating with the Better Business Bureau (BBB). The BBB website does show a few negative customer reviews and complaints, but Starmount seems to do a good job addressing and ultimately closing customer complaints.
If Starmount seems like a life insurance company that will work for you, it’s a good idea to learn more about your options for life insurance coverage and what your rates would look like with the company. It’s also a good idea to find and compare similar coverage options with other companies to make sure you’re getting the best deal you can get.
In fact, you can use our free quote tool below to find and compare life insurance rates from some of the best companies in your area today.
