Our Freedom Life Insurance Review [2025]: Coverage, Costs, and Customer Experiences

More than half of Americans—around 54%—have life insurance, but only about a quarter actually feel confident about their coverage. That really stuck with me when I helped my cousin Jake pick out a policy last year. He had just become a dad and was feeling overwhelmed, trying to find something that would protect his family without breaking the bank.

Sound familiar?

That’s when Freedom Life Insurance caught his attention. It promised easy, no-stress term life coverage. But is it really as simple and affordable as it sounds?

I’ve spent hours in researching about Freedom Life Insurance’s plans for 2025—looking at what they offer, how much it costs, and what real customers are saying. So imagine we’re sitting down for a coffee, and I’m walking you through everything I found—to help you decide if this could be the right fit for you and your family.

Learn here about: What is Final Expense Life Insurance?

What’s Freedom Life Insurance All About?

Freedom Life Insurance Company of America has been around since the 50s. It’s a smaller company that’s part of the USHealth Group.  They don’t have million of options for you but just one: a 10-year term life policy called Life Protector. If you want straightforward coverage without having to learn a bunch of insurance lingo, this could be a good fit. But if you’re looking for extra features or a lot of choices, it might feel a little too simple.

Freedom Life is part of USHealth Group, a Texas company tied to UnitedHealthcare. They focus on insurance for freelancers, families, and small business owners. Besides life insurance, you can get health, dental, vision, or accident plans, and bundling them with Freedom Life’s policy might save you a few bucks.

Jake liked the idea of bundling plans to save money, but he still had to check if it actually added up. Freedom Life is backed by a reliable company, but what really makes them stand out is how easy they make it—especially since you don’t need a medical exam to get covered.

What Kind of Coverage Do You Get?

The whole point of life insurance is to help take care of your loved ones if something happens to you. Freedom Life’s Life Protector plan is a 10-year term policy. That means if you pass away during those 10 years, your family gets a payout (called a death benefit).

After the 10 years are up, you can choose to keep the policy going each year until you turn 70—but just know the price might go up as you get older.

Here’s what you need to know.

Life Protector: The Main Deal

Life Protector is great for people who want affordable, short-term life insurance without the hassle of a doctor’s visit. You choose how much you want to pay each month—anywhere from $10 to $50, going up in $5 steps—and that decides how much your family would get if you passed away.

The best part? No medical exam. For people like my friend Sarah, who has asthma and hates needles, that’s a big win. You just answer a few health questions, and most people get approved in a few days.

Now, the trade-off is that it’s pretty basic. It’s term life only—no fancy extras like coverage for serious illnesses or a policy that builds cash value over time. But if you’re just looking to cover things like rent, bills, or your kid’s braces, it does the job.

If you want something more long-term or with investment features, you’ll need to look elsewhere.

What You’re Getting

• 10-Year Term: Your payments stay the same for a decade.
• No Doctor Visits: Just a few health questions to get covered.
• Pick Your Price: Pay $10–$50 a month, depending on what you can swing.
• Payout: Covers things like bills or funeral costs if you pass away.
• Bundle It: Pair with USHealth Group’s other plans to maybe save some cash.

The Catch

One downside? There aren’t many extras or options. If you get seriously sick and need to access the money early, this policy doesn’t offer that Moreover, like many other life insurance plans, suicide isn’t covered in the first two years—that’s standard, but still something to be aware of.

And keep in mind, Freedom Life Insurance isn’t available in every state. If you’re someone who likes to customize your insurance to fit your life, this plan might feel a little too one-size-fits-all.

How Much Does It Cost?

When it comes to life insurance, cost really matters. Freedom Life keeps things pretty affordable, though it’s not always the absolute cheapest—especially when compared to plans that require a medical exam.

The Price

With Life Protector, you choose a monthly payment between $10 and $50, depending on how much coverage you want. Your age and health also affect the price a bit. For example, a healthy 30-year-old might pay around $15–$20 a month, while someone closer to 50 with a condition like diabetes could be paying more, maybe around $40.

Since there’s no medical exam, the price is a little higher than some traditional policies—but pretty normal for no-exam coverage.

What Changes Your Bill

• Age: Younger means cheaper. A 35-year-old pays less than a 55-year-old.
• Health: No exam, but they ask about your health. Issues like high blood pressure can up your rate.
• Coverage: Want a bigger payout? You’ll pay more, up to $50 a month.
• Renewals: After 10 years, costs can climb, sometimes a lot.

How It Compares

Freedom Life Insurance is decent, but it’s not the best deal out there. I did some digging—take Haven Life, for example. A healthy 35-year-old might pay about $25 a month for a 20-year term with $500,000 in coverage.

Freedom Life’s policy is shorter (just 10 years) and usually comes with smaller payouts. That can work if you’re on a tight budget, but if you want something longer—like 20 or 30 years—you’re out of luck here.

A Quick Heads-Up About Costs

Some people have said their monthly payments went up sooner than they expected—sometimes in less than a year. This might be because of how the policy renews or small changes in the fine print.

If you want to cancel, it’s easy—you just stop paying. But here’s the catch: don’t cancel until you’ve got another plan in place. To avoid surprises, ask your agent how and when your costs might change. It’s better to know upfront than be caught off guard later.

What Are Customers Saying?

Hearing from real people gives you a better picture. Freedom Life Insurance gets mixed reviews—some people really like how simple it is, while others aren’t happy with the customer service.

I looked through reviews on Yelp, Reddit, and the Better Business Bureau to get the full scoop.

The Good Stuff

When it works, Freedom Life Insurance can be a big help. A lot of people love that there’s no medical exam—one guy said he got covered just two days after a quick phone call.

People on a tight budget like the low starting prices, especially if they bundle it with health insurance from USHealth Group. That can lead to some real savings.

The company also has an A- rating from A.M. Best, which basically means they’re considered reliable when it comes to paying claims.

One review on TrustAnalytica stood out—someone said they only had to pay $500 out of a $9,000 hospital bill thanks to their bundled plan. That’s a win that really made them feel secure.

The Not-So-Good Stuff

There are definitely some complaints out there. Customer service seems to be a big issue—some people mention long hold times or rude agents. One person on Yelp said their agent didn’t mention a 30-day waiting period, so they ended up stuck with a bill they thought would be covered.

Claims are another sore spot. Someone on WalletHub was upset when Freedom Life only paid $100 of a $2,500 ambulance bill. And a few folks said their monthly payments went up faster than expected, sometimes just a few months in.

The company also has an F rating from the Better Business Bureau, and the National Association of Insurance Commissioners says they get more complaints than usual, mostly about delays and billing problems.

What to Take From This

It’s easy for people to post bad reviews when they’re upset—but when you see the same complaints over and over, it’s worth paying attention.

Jake avoided a lot of headaches by asking his agent a bunch of questions up front—like what’s not covered, how renewals work, and if the price could change. I’d recommend doing the same.

Bottom line: a good agent can make a huge difference, so try to work with someone you trust.

Is Freedom Life Insurance for You?

Picking a policy is all about what you need and what you can handle. Freedom Life has its fans, but it’s not a one-size-fits-all deal. Let’s see who it’s for and who might want to keep looking.

Who’s It Good For?

• Tight Wallets: Low payments are great if you’re watching every penny.
• No-Exam Folks: If health problems or a busy schedule make exams a no-go, this works.
• USHealth Group People: Already got their health or dental plans? Bundling could be a win.

Who Should Skip It?

• Long-Term Thinkers: Want coverage forever or some savings built in? This isn’t it.
• Picky Types: No extras mean you can’t tweak it much.
• Service Lovers: If you want fast, friendly help, the reviews might make you nervous.

How to Choose

• Figure Out Your Needs: A good rule is coverage 5–10 times your salary, plus debts. If you make $50,000 and owe $100,000 on your house, aim for $350,000–$600,000.
• Shop Around: Check Freedom Life against a couple other companies online.
• Read the Fine Print: Ask for a sample policy and look at what’s not covered or how renewals work.
• Pick a Good Agent: Go with someone licensed who’s upfront about everything.

Are you still curious to know more about which life insurance policy is better? Watch this video to satisfy your curiosity!

Conclusion: Should You Go with Freedom Life Insurance?

Freedom Life Insurance is like that reliable, no-frills car—it gets you where you need to go, but don’t expect a sunroof. Its 10-year term policy is cheap, easy to get without a medical exam, and great for folks like Jake who just need basic coverage. The A- rating from A.M. Best says they’ll pay out, and bundling with USHealth Group plans can save you some cash. But no extras, a short term, and iffy customer service are real downsides. That F from the Better Business Bureau and all those complaints about slow claims or surprise price hikes make me cautious.

If you’re after simple, short-term protection and can deal with some potential headaches, Freedom Life might work. Take your time, compare a few options, and ask your agent the tough questions. You’re buying peace of mind—make sure it feels right. Got thoughts on Freedom Life or other insurers? Talk to an agent or jump into an online forum to keep digging.

FAQs

Is Freedom Life Insurance a real, trustworthy company?
Yeah, they’re legit, running since 1956 and licensed in 49 states. They’re part of USHealth Group, and their A- rating from A.M. Best means they’re solid for paying claims. But the customer service complaints are real, so go in with your eyes open.

How do I file a claim with Freedom Life?
You can do it online on their website, through their app, or by calling an agent. People say claims can take a while, so keep track of everything—emails, call dates, all of it—and check in if it’s dragging.

What’s the deal with cancelling a policy?
It’s super easy—just stop paying. But call your agent to make sure there’s no billing snafu, and get new coverage first so you’re not left without protection.

Does Freedom Life do anything besides life insurance?
Through USHealth Group, you can get health, dental, vision, or accident plans. Bundling these with Life Protector might lower your costs, so ask about it.

Why do I keep seeing bad reviews about Freedom Life?
A lot of folks are upset about slow claims, unhelpful agents, or prices going up when they didn’t expect. Some say agents weren’t clear about what was covered. Pick a good agent and ask specific questions to avoid this.

How does Freedom Life compare to bigger companies like Prudential?
Freedom Life’s no-exam term policy is simpler and cheaper upfront, but Prudential has more options—term, whole life, you name it—and better service reviews. If you want flexibility, a bigger company might be better.

What happens when the 10-year term is up?
You can renew every year until you’re 70, but your payments could go way up. Ask your agent for a ballpark on renewal costs so you’re not blindsided.

Can I get coverage if I have health problems?
The no-exam thing is great for health issues—just answer some questions. But serious conditions might mean higher payments, so be upfront when you apply.