U.S. Financial Life Insurance Company
Specializing in the Individual
The U.S. Financial Life Insurance Company was formed in 1974 with the groundbreaking idea of tailoring its underwriting to the individual. Each individual is evaluated to find the best possible coverage for his or her unique circumstances. The latest medical research is used to evaluate each individual, focusing on elements that actually affect a person’s longevity. Often, U.S. Financial Life Insurance Company can offer highly competitive rates to people who have been turned down by other insurance companies. The niche the company found has proved to be a lucrative one, since the company is expanding rapidly. It is now a member of the MONY family of companies, all of which are now wholly owned subsidiaries of AXA Financial, Inc. The U. S. Financial Life Insurance Company has total assets of $304 million, with net life insurance of $45 billion.
These are some of the areas where U.S. Financial Life Insurance Company has a different approach to underwriting.
- Nicotine use is rated on a scale according to actual use. Thus, an individual who only smokes occasionally is ranked as at far less risk than a heavy smoker.
- Medical breakthroughs occur daily. U.S. Financial Life continually reviews medical literature to take these advances into account, rather than relying on outdated information from old underwriting manuals.
- Complete history of the insured - The Company studies a person’s whole picture, including medical records and personal history interviews.
- Common sense - The Company takes the approach that an individual who understands his or her medical condition and modifies behavior to lower risk factors is a better risk.
- Acknowledgement – The insured follows a doctor’s orders concerning medical problems.
- Management –the Company evaluates a person’s willingness to modify lifestyle for medical conditions that respond to changes, thus lowering risk.
Financial Ratings for U.S. fINANCIAL
A.M. Best: aa-
Fitch: AA
Moody’s: Aa3
Standard and Poor’s: BBpi
The financial strength of a company and potential for prolonged survival are represented by the above ratings.
U.S. Financial Life Insurance Company Information
10290 Alliance Road
Cincinnati, OH 45242
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Last Updated: June 16, 2009
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