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

When you compare Assurity vs. Securian Financial life insurance rates, Securian Financial is cheaper. Securian also has an A+ score with A.M. Best while Assurity has an A- score. Both Assurity and Securian Financial life insurance companies have an A+ rating with the BBB, but Assurity is accredited and Securian Financial is not.

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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: Sep 7, 2021

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Quick Facts

  • Securian Financial life insurance rates are cheaper than Assurity for both men and women
  • Securian ratings are higher than Assurity with A.M. Best, but both companies have an A+ rating with the BBB
  • Assurity is accredited with the BBB, but Securian Financial is not

It can be difficult to choose the best life insurance company for you, and comparing them side by side can help. We will compare rates and ratings of Assurity vs. Securian Financial life insurance companies for you.

While both companies offer term and permanent life insurance options as well as other products, rates and ratings will vary.

Compare rates, ratings, and products offered before you buy Assurity vs. Securian Financial life insurance to see if either is right for you.

Keep in mind that you don’t just have to choose Assurity vs. Securian Financial. There are a lot of life insurance companies out there that can offer you the cheap life insurance that can fit your needs.

Keep reading to learn more about Assurity vs. Securian Financial life insurance. Before you scroll down, enter your ZIP code to compare free life insurance quotes from companies in your area today.

Assurity vs. Securian Financial: Which company offers more affordable rates to women?

There are many factors that influence your life insurance rates. Your age, gender, and medical history will all help determine how affordable Assurity vs. Securian Financial life insurance is for you.

Now we will look at just how much those factors affect your rates. This table shows you the average monthly Assurity vs. Securian Financial life insurance rates for women of various ages who don’t smoke.

Minnesota Life is a subsidiary of Securian Financial, and we will be using Minnesota Life insurance rates for our comparisons.

Assurity and Minnesota Life Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAssurity Average Monthly Rates $100,000/20-yearMinnesota Life Average Monthly Rates $100,000/20-year
25$8.70$8.10
30$8.70$8.21
35$10.09$8.31
40$12.44$9.83
45$16.53$13.27
50$24.71$17.31
55$35.76NA
60$56.64NA
65$98.40NA
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Minnesota Life offers cheaper insurance rates for women of all ages. Keep in mind, women who smoke or have other medical conditions will pay higher life insurance rates.

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Assurity vs. Securian Financial: Which company offers more affordable rates to men?

Now we will look at how the Assurity and Securian Financial rates for men stack up.

This table shows the average monthly Assurity and Securian Financial life insurance rates for non-smoking men.

Assurity and Minnesota Life Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAssurity Average Monthly Rates $100,000/20-yearMinnesota Life Average Monthly Rates $100,000/20-year
25$9.83$8.71
30$9.83$8.81
35$11.05$9.12
40$14.62$11.04
45$20.45$15.80
50$31.06$22.17
55$47.50NA
60$80.21NA
65$128.76NA
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As with rates for women, Minnesota Life offers cheaper rates for men. Also, rates will be higher for men who smoke or have other medical conditions.

Comparing Assurity vs. Securian Financial life insurance quotes can be tricky. While you can get an Assurity quote online, you must speak with a representative to get a Securian insurance quote.

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

Rates aren’t all that’s important when choosing a life insurance company. Also, look at ratings so that you can be confident your company will be there when your family needs it.

A.M. Best rates companies based on financial stability. Ratings go from an A++ all the way down to a D.

Assurity received an A- rating, showing an excellent ability to meet financial obligations.

Securian Financial received an A+ rating, meaning it has a superior ability to meet obligations.

Better Business Bureau (BBB) rates companies on how well they respond to customers. BBB ratings range from an A+ down to an F. Both Assurity and Securian Financial score an A+. However, Assurity is accredited and Securian is not.

Assurity vs. Securian Financial: The Bottom Line

Assurity offers various types of life insurance as well as disability income, accidental death coverage, and annuities.

Assurity customers can also access their accounts online or by calling the Assurity life insurance customer service number at 1-800-869-0355.

To learn more, read our Assurity life insurance review and our Minnesota Life insurance review.

Securian Financial offers different types of life insurance, accident insurance, annuities, financial planning, and trust services.

While you can access your account and file claims online, you can also reach customer service at 1-833-810-8260.

Deciding if Assurity or Securian Financial is right for you can be difficult, so shop around before you buy. Compare multiple companies to find the right one for you.

We hope you’ve learned all you need to know about Assurity vs. Securian Financial. Before you go, enter your ZIP code now to compare quotes from multiple life insurance companies near you for free.

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