Country Financial Insurance Review & Complaints: Auto, Home, Life & Farm Insurance (2024)

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A homegrown company with a wide range of insurance products and financial services, Country Financial is a one-stop-shop in the 17 states they serve.  With a combination of personal insurance, business products, and financial products too, Country has a truly comprehensive product lineup.

Not sure if Country Financial is right for you? We’ve put together a complete Country Financial car insurance review below that also covers all of their other products. We’ll help you learn how to get Country Financial car insurance quotes and compare Country Financial car insurance rates to your other options.

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About Country Financial

In 1925 The Country Financial Insurance Group was founded to write fire and lightning insurance, adding crop and farm insurance to the lineup the following year.  Auto insurance was added in 1927 followed by life insurance in 1929.  The company began a series of acquisitions and expansions that led to their current service area across a total of 17 states.

Today, Country Financial insurance products are available in Alabama, Alaska, Arizona, Colorado, Georgia, Illinois, Iowa, Kansas, Minnesota, Missouri, Nevada, Tennessee, North Dakota, Oklahoma, Oregon, Washington, and Wisconsin.

Country sells its insurance and financial service products through independent agents.  The company’s headquarters is in Bloomington, IL. The Country Financial car insurance phone number is 866-268-6879. The Country Financial car insurance login online will allow you to access your account.

Recently, Country Financial car insurance COVID-19 rate reductions were offered. Country Financial car insurance discounts of 15 percent were the result of this rate change.

Country Financial Car Insurance and Other Products

Country Financial has a truly expansive list of products, from basic personal coverage to specialty policies.

Auto Insurance

Country’s auto insurance program provides the basics such as collision coverage, comprehensive coverage, uninsured motorist, and liability. They also offer plenty of add-ons to create a personalized policy. Among the options are:

• Rental Car and Trip Interruption Coverage
• Personal Effects coverage
• Renters Insurance as an add-on to auto rather than a separate policy
• New Car Replacement coverage called The Keeper

Discounts are numerous and vary based on the state in which the policyholder lives. Most are common, but there are some unusual ones, including a discount for engaged couples over 21.

Other Vehicles

In addition to auto insurance, Country writes policies for other types of vehicles including; motorcycles, boats, and RVs.

Home Insurance

Country Financial has policies to cover multiple different types of home and homeowner.

Homeowner’s insurance for single-family dwellings comes in three levels:

• Basic coverage
• Premier coverage, which adds more covered perils and options
• Combination coverage, which provides the Premier level for the home and basic for personal property

Other types of home insurance cover the needs of each specific home:

• Condo insurance for the required structure coverage and personal property, as well as liability
• Mobile Home insurance
• Rental Property insurance to protect landlords
• Renter’s Insurance to protect the personal property of tenants

Life Insurance

Country writes the three main types of life insurance policy; they offer a range of term life insurance, whole life insurance, and universal life insurance products.

Term coverage comes in 10, 15, 20, and 30-year options. Death benefits start at $50,000, with coverage amounts of more than $1 million available. Term policies are renewable on an annual basis after the initial term ends without further medical exams, although premiums will increase each year. The policies can also be converted to permanent life at any time during the initial term.

Riders for term policies include a child term insurance rider of up to $25,000, waiver of premium, and return of premium, which returns the base premium and the cost of the rider at the end of the policy term.

Whole Life is available with several payment options to provide lifetime coverage. The standard whole life, Executive Whole Life, has consistent lifetime payments up until the age of 95. Other payment options are 10-pay, 20-pay, Paid up at 65, and Single Premium.

The company offers a wide range of riders to be added to their whole life policies. These include:

• Child term rider
• Spouse term rider
• Accelerated benefits for terminal illness
• Accidental death benefit
• Accelerated benefits for long-term care
• Disability waiver of premium

Universal Life is available in two formats. Universal Life Accumulator offers the choice of either an increasing or level death benefit. Universal Life Protector is designed to be an affordable choice with all the flexibility and cash accumulation value of a standard universal policy. Both allow for flexibility in the death benefit and the amount of the premiums.

Universal policies also have a range of riders available including; child term insurance, spouse coverage, automatic increase of death benefit, waiver of specified premium, and a guaranteed insurance option.

Country Life Insurance Company has made great gains over the last several years.

Health and Long-Term Care

Country Financial assists with locating and obtaining health insurance policies through outside insurers. They also offer supplemental and long-term care plans for:

• Disability Income
• Long-Term Care
• Medicare Supplement

Farm and Ranch

Country’s roots are in the country, as the name implies, and they still provide insurance policies to cover farmers and ranchers. Country writes farm insurance, country estate insurance, livestock insurance, and crop insurance policies as well.

Business Insurance

Commercial insurance products from Country cover a number of different small businesses. They offer:

• Businessowner’s package policies covering property and liability
• Three levels of commercial package policies
• Business auto
• Business umbrella
• Worker’s Compensation

Financial Products

Country also has a large branch of financial products. Among them are retirement savings such as IRAs and annuities, college savings plans, managed investment accounts, and mutual funds.

Read more: Country Financial Medicare Insurance Review & Complaints: Health Insurance

Country Financial Rates

Country Financial does offer online quotes but does not provide coverage in our usual sample rate comparison states.

As a smaller, agent-driven company, their rates are not likely to be highly competitive with national insurers, particularly direct-buy insurance companies. Like most companies of this sort, Country doesn’t present itself as a budget insurer, instead relying on service and features to sell products.

Discounts are one of the best ways companies like Country can stay competitive, but the available options differ from state to state, making it hard to compare how these discounts will affect rates.

Country Financial Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Country Financial offers convenient options for filing claims. Policyholders can submit their claims online through the customer portal “My Country” on the company’s website. Additionally, they can file claims over the phone, ensuring flexibility in the claims process.

Average Claim Processing Time

While the exact claim processing time may vary depending on the nature and complexity of the claim, Country Financial is committed to efficiently handling claims. Policyholders can expect their claims to be processed in a timely manner, with the company striving to provide prompt service.

Customer Feedback on Claim Resolutions and Payouts

Country Financial has received positive feedback from customers regarding their claim resolutions and payouts. The company’s commitment to fair and efficient claims handling has earned them a good reputation among policyholders.

However, individual experiences may vary, so it’s essential for customers to communicate directly with the company during the claims process to ensure their needs are met.

Digital and Technological Features of Country Financial

Mobile App Features and Functionality

Country Financial offers a user-friendly mobile app that provides policyholders with easy access to their insurance information. The app allows users to view and manage their policies, make payments, and even file claims directly from their mobile devices. It provides a convenient and efficient way to interact with the company.

Online Account Management Capabilities

Policyholders can manage their accounts conveniently through Country Financial’s online portal. They can access policy documents, review billing information, and update their personal details. The online account management system is designed to streamline the customer experience and provide easy access to important information.

Digital Tools and Resources

Country Financial offers various digital tools and resources to assist customers in understanding their insurance coverage and making informed decisions.

These resources may include educational materials, calculators, and articles to help customers navigate the insurance process effectively. The company is dedicated to providing valuable digital resources to its policyholders.

Country Financial Ratings and Consumer Feedback

The Better Business Bureau (BBB) rates Country an A+, although they are not accredited. There are a total of 56 complaints listed against the company in the past three years, 15 of which were closed in the past 12 months. Those numbers are not worrisome for a company of this size.

Consumer Affairs lists 30 reviews, 28 of which left star ratings. It should be noted that this particular page is for homeowners insurance. There is one 5-star rating, one 3-star rating, and the rest are 1-star ratings. Complaints include claims being denied and poor customer service. Several of the complaints refer to specific agents, which generally cannot be counted against the company as a whole. The number of complaints is relatively low overall, and a large number of negative ratings is not unusual on this particular site.

Country Financial Insurance: The Bottom Line

Country Financial has a wide range of products and may appeal to those who want the personal service of an agent with an insurance company of moderate size that has the ability to offer plenty of features and financial backing. They are also a good choice for those in search of a one-stop choice for personal insurance as well as financial products. The company’s reputation is fairly good, with the usual types of complaints that do not appear in large enough numbers to raise red flags. Overall, Country may well be worth considering for those who live in their coverage states and are more interested in service than in getting the least expensive rates.

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