Specializing in insurance and personal finance, Chris Kissell is a writer and editor whose work has been featured at Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate and Money Talks News. He is based in Denver.
Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.
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Our take: Vantis Life offers both Velocity Term Life Insurance and Velocity Whole Life Flex Complete policies. It also offers Guaranteed Golden, which provides final-expense coverage.
Vantis Life’s term life insurance coverage is available in amounts ranging from $50,000 to $2.5 million. Most customers are eligible for “real-time underwriting,” and you might be able to secure your policy online in minutes.
Those who purchase term life insurance get terminal illness, charitable giving and disability waiver of premium riders added on to their policy for free.
If you purchase whole life insurance, you get terminal, chronic and critical illness riders at no extra charge. You also get a charitable giving rider.
In addition, you can purchase annuity products through Vantis Life.
Pros:
Cons:
*NR = not rated
Trustworthiness: The Better Business Bureau evaluates businesses on their behavior, trustworthiness, and performance. A business with a high ranking from the BBB can be trusted to meet its commitments. The Better Business Bureau gives Vantis Life an A+ ranking.
Financial strength: A.M. Best evaluates a company’s financial health and its ability to meet its financial obligations. A.M. Best gives Vantis Life an “A” rating.
Customer experience: Trustpilot is an online platform for individuals to provide reviews of companies and their customer experience. Trustpilot gives Vantis Life a rating of 4.7 out of a possible 5.
Final expense is available for ages 50 to 80 and offers $5,000 to $25,000 of coverage.
Additional product line details: Vantis Life offers term life insurance, whole life insurance and final-expense coverage. You can also purchase annuities through Vantis Life.
For healthy non-smokers:
The following table shows Vantis Life’s monthly rates by age and gender for healthy non-smokers purchasing 20-year term policies.
How its rates stack up:
The following table shows how Vantis’s monthly rates for a healthy 35-year-old compares with selected competitors for $500,000 in coverage.
Company background: Vantis Life says it has a “conservative operating philosophy and long-term commitment to customer care and satisfaction.” The company is affiliated with the Penn Mutual Life Insurance Co., which was founded in 1847.
Interesting tidbit: The Vantis Life website offers specific examples of how its products might help families, mature adults and business owners.