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Federal Trust Long Term Care Insurance Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
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Federal Trust Life Insurance Company is an online based insurance marketplace that allows customers to shop for life and long-term care insurance policies from the industry’s top providers nationwide such as John Hancock, MedAmerica, LifeSecure, MassMutual, and Transamerica, among others.
 
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How is Federal Trust Life Insurance rated?

Breakdown

4.9/5
Benefit Limits
4.6/5
Policies & Coverage
4.5/5
Customer Service

Overall Rating: 4.6 / 5 (Excellent)

Federal Trust is a great option for those who are shopping for long term care insurance providers.

The company is an online insurance marketplace that allows customers to compare different carriers, side by side.

Federal Trust is relatively new to the insurance industry, but it has partnered with some of the nation’s most trusted providers such as Genworth, MassMutual, MedAmerica, Transamerica, LifeSecure, and John Hancock, among others.

The company’s easy-to-use online tool allows customers to get a free quote from different providers within minutes, providing minimal information.

Additionally, customers can use the online tool to compare different quotes, so they can choose the one that best fits their needs.

Federal Trust also offers customers the option to complete the entire online application process using Docusign, which is extremely convenient for those who don’t want to waste any time.

Policies & Coverage

Policies & Coverage - 4.6 / 5

As an online insurance marketplace, Federal Trust offers customers an array of companies with different types of policies and coverage to choose from.

The type of policy and coverage each customer gets, will be determined by the customer’s specific needs, and the long term care plan they choose.
Policy Types
Individual / Standard
State Partnership
Hybrid Life and Long Term Care
Group
Tax Qualified
Types of Covered Care
In-Home Care
Assisted Living / Adult Day Care
Nursing Home
Hospice Care
Medical Help Systems
Facility Coverage
Any Facility
Available Policy Riders
Inflation Protection
Shared Care
Return of Premium
Waiver of Premium
Alternate Care
Spouse Survivorship
Home Modification
Nonforfeiture
Available Discounts
Partner / Household
Preferred Health
Multi-Policy

Claims & Benefits

Benefit Limits - 4.9 / 5

Federal Trust refers potential customers to different insurance companies with different policies and claims procedures.

Because of this, it is not possible to assess the claims procedures and benefits, since these will vary depending on what’s offered to a given customer.
Maximum Daily Benefit Limit
Varies by provider
Unlimited Lifetime Benefit Period?
Yes
Elimination Period
30 day minimum
Eligibility Requirements
Activities of Daily Living Limitations

Financial Strength & Ratings

Financial Strength - 4.5 / 5

Since Federal Trust is an insurance marketplace, it does not have its own financial ratings with any credit rating agencies.

However, the company provides customers with the most trusted insurance companies like John Hancock, which has been rated AA-, A1, A+, and AA- by S&P, Moody’s, A.M. Best, and Fitch, respectively, among others.

In any case, Federal Trust customers are encouraged to research each company’s individual financial outlook before purchasing.
Moody's Financial Rating
A1
AM Best Financial Rating
A+
Standard & Poor's Financial Rating
AA-
*The above information reflects the financials strength of one of the partner long term care insurance companies that this marketplace offers policies through: John Hancock.

Federal Trust Life Insurance Reputation

Customer Service - 4.5 / 5

Federal Trust hasn’t been rated by the Better Business Bureau or TrustPilot.

Since the company is a marketplace, it does not underwrite policies itself, and ultimately, it is not responsible for the policy’s execution.

However, Federal Trust offers customers long-term care policies from rock-solid industry leaders such as MedAmerica, Transamerica, LifeSecure, MassMutual, and John Hancock, among others, which are verified for legitimacy and overall financial reputation.

Interested in knowing more? Read our review of the top long term care insurance companies of 2018.

Contact & Additional Information

Company Type
Marketplace
Homepage URL
https://federaltrustinsurance.org/
Company Phone
(855) 369-5320
Headquarters Address
310 N. Westlake Blvd., Suite 240, Westlake Village, CA, 91362

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