UnitedHealthcare offers ACA marketplace plans in 30 states with options at all metal tiers, including those with $0 deductibles and extra benefits like vision and dental coverage. It also offers a range of employer and individual supplemental and standalone prescription drug plans.
In our study, current UnitedHealthcare customers gave it good marks for plan offerings, but the company fell short in digital experience Molina and Elevance were the winners here. It also didn’t rank very high in deductible affordability, but it had one of the lowest complaint index scores for health insurers we studied. That means the company resolves customer complaints quickly and fairly.
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Most people have health and car insurance, but many overlook the importance of supplemental policies. Consider a plan that adds liability coverage, which covers you if you cause a crash, and umbrella insurance, which offers additional protections for your home and auto.
Insurance earned top marks for customer service, with fast responses to calls and claims, a Reddit user said. It also offers great rates and a variety of discounts.
Term Life Insurance
Term life insurance offers affordable, straightforward coverage designed to help cover financial obligations and provide peace of mind for the insured’s family. Its simplicity makes it a popular choice for individuals seeking straightforward coverage over a set period of time, like to help pay off a mortgage or support children until they’re adults.
Unlike permanent life policies, which build cash value, term life policies don’t have an investment component and may not be suitable for those looking to save money. However, some plans offer a return of premium feature that can help offset the increased cost of higher-cost policy renewals as you age.
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Term life insurance can also benefit business owners by helping to fund buy-sell agreements and covering business debts, among other benefits. It can be obtained without a medical exam, which is especially beneficial for younger adults in good health.
Whole Life Insurance
Unlike term life insurance, whole life policies have a cash value component that accumulates over time. A portion of every premium payment goes toward the cash value, which can be borrowed against or used to purchase additional coverage.
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This feature allows many of our clients to use their policy as a personal banking system, reducing the need for external financing and keeping more money working within their own households or businesses. We typically recommend a fully underwritten participating whole life policy, which requires the most thorough evaluation but offers the strongest guarantees and competitive premiums.
