About Us
USAble Life — Live life. You’re covered.
At USAble Life, our promise is to deliver protection and peace of mind for all of our customers, whether you are a consumer, employer group or producer. We’re here for you when you need us the most. With experience, financial stability, and high-quality products such as life, disability and products sold at the worksite, we are committed to all of our customers’ needs.
Life is stressful enough without having to worry about financial protection due to a disability or a critical illness diagnosis. That’s why we take great pride in making sure our customers get the answers they need through comprehensive policy benefits and prompt claims payment at a time when they rely on us the most.
USAble Life understands that employer groups and producers want to offer a strong portfolio of products that will help businesses attract and retain their workforce. With the products and services available through USAble Life, customers not only have choices, but quality and continued support for benefit and enrollment needs as well.
Our Strength — It’s in Our Performance
USAble Life has been in the business of serving its customers for more than 25 years and has become a trusted, reliable name in the industry. Each day, our team works diligently to ensure we deliver on our promise and as a result, we have been recognized as a strong and stable company.
Our company has been acknowledged as a financially solid organization. The company’s financial strength is rated “A” (excellent) from A.M. Best and “A” (strong) from Standard & Poor’s. We have also been named by Ward Group® as a Ward’s 50 top performing insurance company for the third year in a row (2007, 2008, 2009). In September 2009, Best’s Review, a monthly insurance news magazine, listed USAble Life in the top 25 Life Companies for Group Life issued in 2008 and in the Top 200 Life/Health Writers for admitted assets. Operationally, the company continues to achieve sound financial results. In 2009, USAble Life’s revenue was $410 million. All together, recognition by external entities combined with our operational results, prove that our strength is in our performance.
Products — Live life. You’re covered.
Being easy to do business with is an essential component to customer satisfaction. To ensure our customers have a pleasant experience with USAble Life, we offer integrated ancillary product sales, billing and service with many consumers’ health products; the result — one-stop shopping. This not only makes it easier for the consumer, but for the employer group and the producer as well.
Our ancillary products include:
· Group Term Life and Term Life;
· Accidental Death and Dismemberment (AD&D) and Accident;
· Group Short and Long-Term Disability;
· Voluntary AD&D; Voluntary Group Term Life; Voluntary Income Protection; and
Voluntary Long-Term Disability;
· Cancer and Critical Illness;
· Hospital Indemnity; and
· Section 125 Cafeteria Plans.
Product innovation is also a cornerstone at USAble Life. For example, the company’s Health and Productivity program is seeing positive results. Through our Health and Productivity program, we take a more active role in helping our employer groups manage their employees’ health by utilizing existing healthcare support programs to reduce disabilities and more effectively manage the length of the disability.
Our Employees — Values, Community and Industry
Values:
R Respect
I Innovation and Initiative
G Great Performance
H Honesty and Integrity
T Teamwork and Accountability
Community
We are proud to be a carrier of high-quality products and we’re equally proud to be a part of the communities where we do business. Our employees are involved in numerous non-profit organizations such as Susan G. Komen for the Cure®, Big Brothers Big Sisters and the United Way, raising thousands of dollars to benefit the health and well-being of our neighbors.
Industry
As a member of several industry organizations including the Life and Health Insurance Foundation for Education (LIFE), a nonprofit organization whose purpose is to help consumers make smart insurance decisions, we take pride as members of these entities so we can better serve you.