Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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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 provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Hartford Life Insurance has a history of excellence spanning more than 200 years, making it one of the United States’ oldest insurance companies. However, does this proven sustainability necessarily make it the best option for life insurance?

Unlike auto or homeowners insurance, life insurance is something that will always be needed – eventually. If you’re lucky, you may never become involved in a car crash or have severe home damage. However, you will need to protect the interests of your family when you pass away.

We took an in-depth look into Hartford Insurance to see what made them one of the top-rated insurance companies in existence. Here’s what we discovered:

Looking to compare life insurance prices? We can help. Enter your ZIP code to get free quotes from multiple insurers.

Hartford Life Insurance: A General Overview

Hartford Life Insurance has roots dating back to 1810, making it one of the most experienced, reliable companies in the industry. This says a lot about a company’s reputation and its ability to serve its policyholders.

The Hartford Life Insurance Companies Logo

As part of The Hartford, the company offers a variety of financial and insurance services, including mutual funds, casual and property insurance, and life insurance.

Like other life insurance companies, The Hartford offers financial benefits in the event of your death to ensure beneficiaries can pay bills without economic hardship. It’s the last favor you’ll be able to do for them, which is why choosing the right policy isn’t a decision to take lightly.

The Hartford works with businesses of all industries and sizes to provide company-wide coverage at group discounts. The company also partners with the AARP to offer members special auto and home insurance at discounted rates.

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The Hartford Life Insurance Reviews

Third-party organizations have done hard research for you by providing unbiased ratings of life insurance companies. These ratings look at factors like company stability, future prospects, and current financial health.

The Hartford ratings for its life insurance divisions are as follows:

The Hartford Life Insurance Companies

  • A.M. Best Company: A-
  • Moody’s: Baa2
  • Standard & Poor’s: BBB+

Hartford Life and Accident Insurance Company

  • A.M. Best Company: A
  • Moody: A2
  • Standard & Poor’s: A

This data looks promising for both the current and future state of Hartford Life Insurance.

Hartford Life Insurance Options

Life insurance is never a one-size-fits-all. Hartford Life Insurance offers several different policy types, each with its own unique benefits and terms to help you find the right coverage.

Voluntary Insurance

Typically offered by your employer, you can opt-in to receive supplemental voluntary life insurance that pays out in the event of your death. The amount you would pay for this policy is determined by the amount of coverage offered, along with factors like age. However, since it’s offered by your employer, your company as a whole may benefit from a group discount.

Group Life Insurance

Group life insurance is used by organizations that offer their employees life insurance as a company benefit. These policies are relatively affordable, but you should consider what happens to your policy if your employer decides to no longer offer life insurance.

Hartford Individual Life Insurance with No Medical Exam

That’s right, you could get a Hartford Life Insurance policy without a medical exam. This could be an ideal solution for someone who has a pre-existing condition. There may be some exclusions, such as age restrictions, but it’s certainly worth looking into.

Hartford Whole Life Insurance and Other Life Insurance Products

Whether you want whole life or term life, The Hartford likely offers the type of policy you’re interested in. Most people are able to find some form of coverage that works for them. They also offer a variety of life insurance riders, including Accidental Death & Dismemberment, Disability, and a Living Benefit Option.

Hartford for Life Conversations

The Hartford isn’t just an insurance provider, they’re also a reassurance provider. They realize that people who file claims aren’t doing so because they want to. It’s because something has happened in their lives that they need to rely on their insurance.

If you’re a policyholder with The Hartford, you can take advantage of their Life Conversations services that offer one-on-one support with their experts to navigate the complexities of what happens after death. This might include will services, counseling for beneficiaries, or funeral planning.

Life Conversations are not offered with all life insurance products. If this service might matter to you or your family one day, consider this when choosing your policy.

The Downsides of Hartford Life Insurance

Hartford Life Insurance is one of the top companies for a reason, so there’s not much negative to say about them. However, finding information about their life insurance products online can be tricky, as very little is available on their website. This isn’t a problem with their insurance, though, so it’s not fair to use this as a deciding factor.

One of the major drawbacks of choosing this company is the fact that their insurance coverage is only available through an employee benefit option.

This means that there is no option to purchase an individual life insurance policy. Life insurance along with the several different available supplement insurance options will only be available in your workplace is offering Hartford Insurance coverage as an employee benefit.

A second drawback of choosing this company is the fact that you’re not choosing other companies. Even though this may be one of the best options for most people it doesn’t mean it’s the right option for you.

There may be other providers who are more akin to helping people with pre-existing conditions, such as diabetes. You might be able to get quality coverage for a lower premium somewhere else, depending on your special circumstances.

When you’re shopping for life insurance, consider the following factors about yourself:

  • Are you a smoker?
  • Is there a possibility you will develop a hereditary disease at some point in your life?
  • Do you engage in any risky activities, such as riding a motorcycle?
  • Is your current occupation considered risky?
  • Do you plan to have any major medical procedures in the near future, or have you had any major operations in the past year?
  • What pre-existing medical conditions do you have?

In short, every life insurance company has its unique selling point, and it simply depends on the policyholder in deciding which company is the best one.

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In Closing: Hartford Life Insurance Quotes

Life insurance is too important not to get the right coverage or partner with a company that can’t deliver on its promises. Your loved ones depend on it to take care of them when you no longer can. In these cases, it literally pays to do your homework.

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