Integon Preferred Insurance: 2023 Guide

Who is Integon Preferred Insurance?

Integon Preferred Insurance Company (Integon) is a life and disability insurance provider that has been in business for over 50 years. The company is headquartered in Winston-Salem, North Carolina, and offers a variety of life insurance products, including term life insurance, whole life insurance, and universal life insurance. Integon also offers disability insurance, critical illness insurance, and long-term care insurance.

In 2021, Integon was acquired by F&G Annuities and Life Insurance Company (F&G), a wholly-owned subsidiary of Fidelity National Financial (FNF). F&G is a leading provider of annuities, life insurance, and disability insurance. The acquisition of Integon by F&G strengthens F&G's position as a leading provider of retirement and insurance solutions.

What Types of Insurance Does Integon Preferred Insurance Offer?

Integon Preferred Insurance offers a variety of life and disability insurance products, including:

• Life insurance: Integon offers a variety of life insurance products, including term life insurance, whole life insurance, and universal life insurance. Term life insurance provides coverage for a specific period of time, such as 10 years or 20 years. Whole life insurance provides coverage for your entire life, and the death benefit is paid to your beneficiaries when you die. Universal life insurance is a type of permanent life insurance that offers flexibility in terms of premiums and death benefits.
• Disability insurance: Integon offers disability insurance that can provide you with income if you are unable to work due to a disability. Disability insurance can help you cover your living expenses and medical bills if you are unable to work.
• Critical illness insurance: Integon offers critical illness insurance that can provide you with a lump sum payment if you are diagnosed with a covered critical illness. Critical illness insurance can help you cover the costs of treatment and other expenses associated with a critical illness.
• Long-term care insurance: Integon offers long-term care insurance that can provide you with coverage for the costs of long-term care, such as nursing home care or assisted living. Long-term care insurance can help you protect your assets and provide you with peace of mind knowing that you will have access to the care you need in the future.

What are the Benefits of Integon Preferred Insurance?

There are a number of benefits to choosing Integon Preferred Insurance, including:

• Financial strength: Integon has a strong financial rating from A.M. Best, which means that the company is financially stable and has the resources to meet its obligations to policyholders.
• Variety of products: Integon offers a variety of life and disability insurance products to meet the needs of a wide range of customers.
• Competitive rates: Integon offers competitive rates on its life and disability insurance products.
• Excellent customer service: Integon is committed to providing excellent customer service, and the company has a team of experienced agents who can help you find the right insurance policy for your needs.

What are the Drawbacks of Integon Preferred Insurance?

There are a few potential drawbacks to choosing Integon Preferred Insurance, including:

• Limited availability: Integon's products are not available in all states.
• Lack of online quotes: Integon does not offer online quotes for its life and disability insurance products.
• Complaints: Integon has received a number of complaints from customers, including complaints about slow claims processing and poor customer service.

Is Integon Preferred Insurance Right for You?

Integon Preferred Insurance may be a good choice for you if you are looking for a reputable and financially stable life and disability insurance provider. However, it is important to compare quotes from multiple insurance companies before making a decision.

Here are some factors to consider when comparing life and disability insurance policies:

• Coverage: Make sure that the policy provides the coverage that you need.
• Premiums: Compare the premiums for different policies to find the one that is right for your budget.
• Customer service: Read reviews of different insurance companies to see what other customers have to say about their customer service.

How to Get a Quote from Integon Preferred Insurance

To get a quote from Integon Preferred Insurance, you can contact an insurance agent or visit the company's website.

Here are some tips for getting a quote:

• Be prepared to provide information about your health and lifestyle. This information will be used to determine your risk of dying or becoming disabled.
• Be honest about your answers. Providing false or misleading information could result in your policy being denied or your benefits being reduced.
• Shop around and compare quotes from multiple insurance companies. This will help you find the best possible rate on your life or disability insurance policy.

Conclusion

Integon Preferred Insurance is a reputable and financially stable life and disability insurance provider. The company offers a variety of products to meet the needs of a wide range of customers. However, it is important to compare quotes from multiple insurance companies before making a decision.