Assurity vs. Foresters Financial: Best Life Insurance Company in 2021

In a comparison of Assurity vs. Foresters Financial, it was a slight win for Foresters. Assurity offers more affordable rates to women, on average, than Foresters Financial. However, Foresters Financial offers more affordable rates to men in their 30s, 40s, and 50s. Lastly, A.M. Best gave a higher rating to Foresters.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Aug 26, 2021

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Quick Facts

  • Foresters Financial offer more affordable rates to men, on average, than Assurity
  • Assurity offers more affordable rates to women, on average, than Foresters Financial
  • Foresters Financial holds a higher rating from A.M. Best than Assurity Life Insurance

One factor that makes comparing life insurance companies difficult is the sheer number of options to choose from. To simplify matters, we will be focusing on Assurity vs. Foresters Financial life insurance companies today.

Our Foresters Financial and Assurity life insurance review will cover the term life insurance rates offered to men and women of various ages as well as the ratings provided by A.M. Best and the BBB.

Before we dive into our Assurity vs. Foresters Financial life insurance rates comparison, type your ZIP code into our free and helpful tool above. With it, you will find the most affordable life insurance quotes in your area.

Assurity vs. Foresters Financial: Which company offers more affordable term life insurance rates to men?

The simplest place to start when comparing two companies are rates. Let’s take a look at a table that compares the term life insurance rates offered to men by various major insurance companies:

Assurity vs. Major Insurers: Male Rates Term Life
CompaniesProductAge 30 Average Monthly Rates (Male)Age 40 Average Monthly Rates (Male)Age 50 Average Monthly Rates (Male)Age 60 Average Monthly Rates (Male)
Accordia LifeTerm Life$16.91$23.36$56.07$128.84
ANICOSignature Term$12.53$15.98$31.75$76.25
AssurityTerm Life$16.31$21.32$43.07$100.05
BannerOPTerm$12.68$17.71$32.90$73.81
CincinnatTermsetter$13.42$18.70$32.56$78.98
Fidelity LifeTerm Life$19.14$25.01$54.59$73.92
Foresters FinancialTerm Life$13.56$18.81$42.66$114.84
Haven LifeTerm Life$17.43$24.12$56.49$152.80
John HancockVitality Term$14.09$16.96$28.41$68.14
Liberty MutualTerm Life$31.73$35.55$40.32$95.58
Lincoln NationalTerm Accel$12.34$15.22$30.96$71.95
MassMutualVantage Term$13.28$16.98$35.03$82.65
Minnesota LifeAdvantage Elite$13.46$17.95$36.56NA
Mutual of OmahaTerm Life Answers$13.33$19.35$33.33$80.84
Nassau LifeTerm Life$17.43$26.15$51.69$119.78
NationwideYourLife$13.56$16.41$32.59$86.41
North AmericanADDvantage$12.98$16.50$31.90$77.44
Pacific LifePromise Term$12.32$15.59$30.09$69.89
PrincipalTerm Insurance$12.69$15.80$31.15$71.97
ProtectiveClassic Choice$11.62$14.78$30.07$69.90
ProtectiveCustom Choice UL$11.87$15.10$31.46$73.23
PrudentialTerm Essentials$21.88$25.60$38.07$79.41
SagicorAccelerwriting Term$12.60$17.07$43.59$103.05
SBLILevel Term$11.80$14.53$31.88$75.61
SymetraTerm 3.0$12.91$16.19$33.21$83.77
TransamericaTrendsetter Super$12.47$18.71$37.41$86.86
TransamericaTrendsetter LB$13.33$20.21$40.21$101.91
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How easy is it to find affordable Assurity vs. Foresters Financial life insurance quotes? For men in their 30s, Foresters term life insurance is cheaper by $2.75.

Male Rates: 30s, 40s & 50s

Is Foresters life insurance cheaper for men in their 40s as well? For this category, Assurity is about $2.50 more expensive per month. For men in their 50s, Assurity is still more expensive, but by only 41 cents.

Lastly, for men in their 60s, things flip around. For this group, Foresters Financial becomes the more expensive company for a term life insurance policy by over $14 per month.

In short, our Assurity vs. Foresters Financial life insurance review has shown us that Foresters offers more affordable rates for men of most ages. Let’s move on and see if this holds true for females’ rates.

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Which company offers more affordable term life insurance rates to women?

Let’s now take a look at a table that compares the monthly life insurance rates offered to women of various ages by major insurers including Assurity and Foresters Financial.

Assurity vs. Major Insurers: Rates for Females
CompaniesProductAge 30 Average Monthly Rates (Female)Age 40 Average Monthly Rates (Female)Age 50 Average Monthly Rates (Female)Age 60 Average Monthly Rates (Female)
Accordia LifeTerm Life$15.58$20.69$40.03$89.25
AIGSelect-A-Term$11.07$15.19$27.41$56.86
ANICOSignature Term$11.88$14.90$27.22$55.94
AssurityTerm Life$11.09$17.84$34.15$72.65
BannerOPTerm$10.37$14.62$27.30$63.64
CincinnatiTermsetter$12.98$16.72$27.28$56.76
Fidelity LifeTerm Life$16.10$22.62$45.68$58.32
Foresters FinancialTerm Life$12.47$16.63$31.94$85.97
Haven LifeTerm Life$14.99$19.91$41.23$103.91
John HancockVitality Term$12.39$14.86$23.86$50.94
Liberty MutualTerm Accel$10.51$13.70$25.86$51.35
Lincoln NationalLifeElements$16.10$21.22$37.41$74.81
MassMutualVantage Term$11.98$15.23$29.15$58.73
Minnesota LifeAdvantage Elite$12.67$16.10$30.89NA
Mutual of OmahaTerm Life Answers$11.61$16.56$27.31$57.19
Nassau LifeTerm Life$16.14$22.52$42.11$89.06
NationwideYourLife$13.34$16.19$27.13$61.69
North AmericanADDvantage$11.66$14.96$26.62$54.34
Pacific LifePromise Term$10.82$14.24$25.16$49.88
PrincipalTerm Insurance$11.27$14.39$25.94$51.41
ProtectiveClassic Choice$10.43$13.31$25.12$49.88
ProtectiveCustom Choice UL$10.79$13.59$26.29$52.26
PrudentialTerm Essentials$17.72$21.22$37.63$59.07
SagicorAccelerwriting Term$10.95$15.10$36.75$63.78
SBLILevel Term$10.38$13.08$26.72$53.85
SymetraTerm 3.0$11.81$14.39$25.94$52.97
TransamericaTrendsetter Super$11.18$16.34$29.89$71.81
TransamericaTrendsetter LB$12.26$17.63$32.25$81.06
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Is Foresters Financial again the most affordable company, on average? For women in their 30s, Foresters is more expensive by over $1.30.

Female Rates: 40s, 50s & 60s

Things reverse for women in their 40s and 50s. For these categories, Assurity is the more expensive company by $1.21 and $2.19, respectively.

Lastly, for women in their 60s, Foresters again becomes the more expensive company. This time, the disparity is about $13 per month.

In short, it was again close, but Foresters Financial is the more expensive company for women.

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Assurity vs. Foresters Financial: Which company is more well-reviewed?

Let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

A.M. Best’s Financial Strength Ratings are a great way for individuals to determine whether or not a particular insurer will be able to fulfill their needs now and into the future.

Assurity received a rating of “A-” (Excellent), which is in the second-highest rating tier.

What rating did A.M. Best give Foresters Financial? Foresters Financial received a rating one notch higher: “A” (Excellent).

The Better Business Bureau is another organization that can provide security in one’s choice of insurance provider.

Assurity received the Better Business Bureau’s highest rating of “A+.” Furthermore, Assurity received Better Business Bureau accreditation.

How did Foresters Financial fare in comparison? Foresters received the same rating, but lacks BBB accreditation.

In review, Assurity is slightly cheaper for women, on average, while Foresters Financial is cheaper for men. Furthermore, A.M. Best gave a higher rating to Foresters Financial, giving them the slight edge.

We hope you’ve learned all you needed to decide whether to buy Assurity vs. Foresters Financial life insurance. Type your ZIP code into our free and helpful tool below to find affordable quotes in your area.

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