Federal Trust Life Insurance Review

Rating: 8.9 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. 
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Federal Trust Life Insurance Company is an online insurance marketplace that allows customers to shop for life insurance policies from leading carriers like Prudential, John Hancock, AIG, and US Life, among others. The company offers a quick and convenient comparison tool and the ability to apply for a life insurance policy in minutes.

How is Federal Trust rated?


Financial Strength
Customer Experience

Overall Rating: 8.9 / 10 (Excellent)

Federal Trust Life Insurance Company is an online life insurance marketplace that allows consumers to compare policies from almost 50 of the industry's top life insurance carriers. They work with leading insurers such as SBLI, Prudential, John Hancock, AIG, and Banner Life, among others. Federal Trust Life can be an excellent option for anyone looking for quick, no obligation quotes and a broad range of term life insurance policies from some of the most trusted companies in the industry.

Financial Strength

Key Details

Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating

Financial Strength - 9 / 10

Federal Trust Life Insurance offers policies from both industry-leading insurers as well as smaller companies. Among their network of trusted, industry-leading carriers are SBLI, Prudential, John Hancock, AIG, Banner Life, and Protective Life. Customers of Federal Trust therefore have access to some of the top rated carriers in terms of long term claims paying ability.
*The above information reflects the financials strength of one of the partner insurance companies that this insurance marketplace offers policies through: Protective Life.

Reputation & Customer Experience

Customer Experience - 8.3 / 10

With Federal Trust Life Insurance Company, customers can browse through quotes from leading carriers in seconds, without having to provide any sensitive information such as email or physical addresses. The company only requires basic details such as sex, date of birth, smoker or non-smoker status, and state of residence. There is not yet much in terms of customer feedback as the company is relatively new. It is not BBB accredited and there is a paucity of online reviews.

Federal Trust Policies

Federal Trust offers customers the following life insurance policies: Term. Because we feel that Term Life insurance is a superior choice for most customers, we've focused our review on the Federal Trust Term Life policy.

Key Term Policy Features

  • Term-Permanent Conversions
  • Guaranteed Level Premiums
  • Guaranteed Renewability
  • Waiver of Premium
  • Accelerated Death Benefit
  • Return of Premium

Policies - 9 / 10

Federal Trust Life Insurance Company offers several term life policy options from 10 to 30 years, increasing in 5-year intervals. They also offer a 20-year return of premium term, a 30-year return of premium term, and coverage options up to age 90, 100, and 120. Due to the size of its network, customers have access to a large list of potential providers.

Flexibility & Available Riders

Available Riders

  • Disability Income Rider
  • Guaranteed Insurability Rider
  • Child Protection Rider
  • Accidental Death Benefit

Available Carriers

Protective Life, American General, Banner Life, Savings Bank Life Insurance, John Hancock, Prudential Financial

Flexibility - 10 / 10

Partnering with over 50 top life insurance carriers, Federal Trust customers have access to multiple additional features and policy add ons. Options will depend on the company selected, but popular riders include disability income and guaranteed insurability.

Additional Company Information

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Our Partner
8.9 / 10
  • Huge Flexibility from $50k to $99M in Life Insurance
  • Easy Tool - Compare Prices with Real-Time Updates
  • 3-Step Process: Choose Coverage, Compare Providers, Apply Online!
  • Complete the application online without speaking to an agent or the insurance carrier
  • Industry Leading Life Insurance Carriers
  • Schedule a Health Inspection Online (if required).
  • Apply Online in 3 Minutes with DocuSign!