Crump Life Insurance Review [2021]

Our Crump Life Insurance review will discuss the company's history, life insurance products, industry ratings, and more. Crump is one of the leading insurance brokers in the US, but this means you’re buying your life insurance directly from it. It is essential to do more research on the company you choose to buy from. Read more about Crump Life Insurance Services below.

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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: Feb 12, 2021

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

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Quick Facts

  • Crump Life Insurance Services is one of the leading insurance brokers in the United States.
  • Crump offers life insurance policies from some of the top names in the insurance industry.
  • There is very little information about Crump other than what is on its website, which is targeted more toward insurance agents and financial professionals that want to join the Crump organization.

Crump Life Insurance Services is one of the leading insurance brokers in the United States. It is owned by Truist Financial, which is the seventh-largest insurance broker in the world.

Our Crump life insurance review will discuss the company’s history, life insurance products, industry ratings, and more. Read more below to find out if Crump Life Insurance is right for you.

If you need help comparing life insurance quotes, enter your ZIP code into our free quote comparison tool above.

What is Crump Life Insurance Services?

Crump Life Insurance Services was founded as Crump Insurance Company in 1920 by Edward Hull Crump. As the company expanded between the 1950s and 1970s, it was purchased by Marsh & McLennan.

From the 1980s to the 1990s, multiple brokerages entered the market to eventually join together, forming Crump Life Insurance Services.

In the 2000s, Crump expanded into related markets by creating the TIME, RiskRighter, and Tellus brands. Crump was purchased by BB&T (now Truist Financial) in 2012.

Today, Truist is the seventh-largest insurance broker in the world, with Crump as one of the leading brokers.

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What life insurance products does Crump offer?

Because Crump is a broker, it does not offer its own life insurance products. They simply sell life insurance products offered by other insurance companies.

Some of the brands that Crump sells products from include:

  • Securion Financial
  • Principal
  • North American
  • National Life Group
  • Mutual of Omaha
  • Legal & General
  • Symetra
  • Prudential
  • Protective
  • Pacific Life
  • Nationwide
  • Lincoln Financial Group
  • John Hancock
  • Global Atlantic Financial Group
  • Allianz
  • AIG

Types of life insurance from Crump include whole life, universal life, indexed universal life, and variable universal life.

Crump’s team of agents and sales support members compile information regarding the policies from all of these providers to help their customers easily access it and decide which company is right for them.

They also provide educational material to help you learn how to make the right decision regarding coverage.

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How much is Crump life insurance?

Because Crump doesn’t sell its own life insurance products, Crump life insurance rates will depend on the rates of the companies providing the product. To give you an idea of what you might pay for life insurance, take a look at the table below:

Average Annual Life Insurance Rates by Age and Smoker Status
Age and Smoker StatusAverage Male Annual Life Insurance RatesVersus Average Top 10 InsurersAverage Female Annual Life Insurance RatesVersus Average Top 10 Insurers
25-Year-Old Non-Smoker$152.00-$26.54$158.00-$2.57
35-Year-Old Non-Smoker$160.00-$25.04$164.00-$1.91
45-Year-Old Non-Smoker$245.00-$22.89$262.00+$21.75
25-Year-Old Smoker$346.00+$24.24$210.00-$38.75
35-Year-Old Smoker$416.00+$55.77$252.00-$34.18
55-Year-Old Non-Smoker$696.00+$171.05$414.00+$7.06
45-Year-Old Smoker$739.00+$101.49$464.00-$29.20
65-Year-Old Non-Smoker$1,416.00+$142.88$924.00+$43.34
55-Year-Old Smoker$1,428.00+$63.91$864.00-$127.63
65-Year-Old Smoker$2,868.00-$377.05$1,884.00-$351.31
Average Smoker$1,159.40-$26.33$734.80-$116.21
Average Non-Smoker$533.80+$47.89$384.40+$13.53
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You should keep in mind that your rates will depend on a lot of different factors, including your age, health, location, the company you choose, and more.

Are Crump ratings positive?

Crump Life Insurance Services has not been rated by the BBB. There is only one customer review on the BBB website, which gives the company a 1/5 star rating.

Truist Bank has an A+ rating from the BBB. It has had over 650 customer complaints on the BBB website in the past year, and it has a 1.06/5 star rating.

Neither company has a rating from A.M. Best. A.M. Best rates companies based on their financial strength. Knowing the financial strength of a company lets you know how well it can meet its financial obligations.

If you choose to purchase a life insurance policy through Crump Life Insurance, you should check the financial strength rating of the insurance company that is selling the policy, as this will tell you how likely it is that it will be able to pay claims.

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How can I get a quote or file a claim?

Unfortunately, Crump’s website makes it a little difficult to know how to contact an agent to get Crump life insurance quotes. The website is more targeted toward insurance agents and financial professionals that want to become a member of Crump’s team. You may try calling (800) 692-7307.

Your claims process will depend on the company that you purchase the life insurance policy from. In general, it will provide you with forms, and you will need to fill them out and send in any supporting documents. For life insurance, this is usually a death certificate and obituary.

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How can I contact Crump?

You can call the Crump customer service phone number at (800) 692-7307, which is the phone number that is listed in the website’s privacy policy.

You can also try sending mail to 4135 North Front Street, Harrisburg, PA 17110 or Crump Life Insurance Services, 389 Interpace Parkway, 4th Floor, Parsippany, NJ 07054.

Should I buy Crump life insurance?

Crump Life Insurance Services is owned by one of the largest insurance brokers in the world, which lends them some reputability. However, you should remember that you are not actually purchasing a life insurance policy from Crump.

Since Crump is a broker, you would be purchasing a life insurance policy from another company. You should make sure to do proper research on the company you are considering purchasing from.

Ener your ZIP code into our free quote comparison tool to get life insurance quotes from companies in your area now.

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