Business Details
Trusted Supplemental Insurance Solutions in Little Rock, AR
At USAble Life, we harness the power of partnership to deliver comprehensive supplemental, life, and disability insurance solutions. With over four decades of industry experience, we collaborate with health plan providers, employers, and brokers to enhance core offerings through co-branded products tailored to meet diverse client needs. Our strategic focus on dental partnerships allows us to manage dental business operations while leveraging partner health brands. Ranked among the top 20 supplemental, life, and disability carriers and top 5 dental carriers in our markets, we serve approximately 1.7 million members across 29,000 SLD groups and 37,000 dental groups. Our commitment to innovation is reflected in our AccessAble online platform, which streamlines enrollment, administration, and claims processing, with over 95% of complete claims resolved within five days at 97% accuracy.We prioritize local service teams to ensure personalized support, maintaining a 90% first-contact resolution rate for customer inquiries. Our robust service capabilities include simplified administration through electronic data exchange with 30+ software vendors, expert new group implementation, and responsive customer care available Monday-Friday in all U.S. states. Backed by financial strength and strategic partnerships with leading medical carriers, we provide flexible coverage options including employer-paid, employee-paid, and family plans across all product lines.
Services
Supplemental Accident Insurance
Critical Illness Coverage
Hospital Indemnity Insurance
Group Term Life Insurance
Long Term Disability Insurance
Short Term Disability Insurance
Temporary Disability Insurance
Paid Family Medical Leave
Highlights and features
- We process over 95% of complete claims within five days with 97% accuracy.
- Our AccessAble platform enables seamless online enrollment and real-time payroll reporting.
- We maintain local service teams for personalized account management.
- We've provided ancillary insurance solutions for more than 40 years.
- We rank among the top 20 supplemental insurance carriers nationally.
Services
Group Term Life Insurance
Our Group Term Life Insurance provides essential life protection with accidental death and dismemberment benefits. This plan includes global travel assistance, end-of-life planning, and enhanced benefits like critical burn rehabilitation and coma/paralysis coverage. Employers can choose from flexible contribution models including employer-paid, employee-paid, and family coverage options while leveraging our AccessAble platform for streamlined administration.
Long Term Disability Insurance
This insurance solution protects employees with extended disability needs through customizable coverage levels. Features include return-to-work incentives, managed rehabilitation plans, and enhanced employee assistance programs. Our 40+ years of experience supports tailored solutions for employers while offering optional services like FMLA administration and W-2 tax processing through our digital platform.
Supplemental Accident Insurance
Designed to ease financial burdens from unexpected injuries, this plan offers multiple coverage tiers with benefits for emergency treatment, hospitalization, fractures, burns, and rehabilitation. Available as guaranteed issue with no medical questions, it integrates with our AccessAble system for easy enrollment and administration at affordable group rates.
Critical Illness Insurance
This coverage provides lump-sum cash benefits to help employees recover from serious illnesses. Plans can be customized with varying benefit levels and contribution models while integrating seamlessly with our digital tools for efficient claims processing and real-time policy management.
Hospital Indemnity Insurance
This insurance helps offset rising hospitalization costs through cash benefit payments. Flexible plan options accommodate different employer and employee needs with straightforward administration via our AccessAble platform, ensuring quick implementation and efficient claims resolution.
Questions
How do I file a claim with USAble Life?
Start a claim through our website or contact customer service at (800) 370-5856. Most complete claims process within five days with 97% accuracy.
What supplemental insurance options are available?
We offer accident, critical illness, hospital indemnity, and integrated supplemental plans to complement core medical coverage for employers and individuals.
Is USAble Life licensed in all states?
We operate in multiple states with specific product availability varying by location. Check with our brokers or contact customer service for state-specific details.
How does the AccessAble platform help employers?
AccessAble provides online enrollment, real-time payroll reporting, auto-pay options, and instant quoting to simplify benefits administration for employers.
What disability insurance plans do you offer?
We provide short term, long term, and temporary disability insurance with flexible contribution models and enhanced benefits like return-to-work programs.
Do you offer family coverage options?
Yes, we provide family coverage options for most insurance products through employer-sponsored or individual plans.
Reviews (3)
Renee Garcia
Nov 14, 2019
Report
This is the worst insurance company ever! I had cancer insurance with them and they gave me a brochure stating i could keep them as long as i made my payments. I made my payments in advance always. I was canceled for no reason and when i would call customer service they would say ok we will send you a new policy but they never did. I called them 8 different days and talked to their customer service and each time they said they were sending a new policy and a bill but i never received it. I am perfectly healthy with no health issues. I gave them a 1 but they deserve a zero!
Debbie Masterson
Jun 01, 2019
Report
Do NOT buy insurance from this company. Thru a series of errors on basic life insurance issues by several employees, my insurance is in jeopardy. My limit dropped by 50% @ age 65, I was given a new premium rate. When I paid it, I was told, "our mistake", premium remains same until a month before your next birthday. Told them I was sending the additional premium, which they cashed. In mail today I have a refund check of the first amount I paid saying they couldn't accept a partial premium.
A series of employees don't know how their policy works, don't document phone calls & then say "oh, sorry" when through their actions you find your policy is considered not paid. Heaven help people who rely on the thought the employees know what they are talking about
A series of employees don't know how their policy works, don't document phone calls & then say "oh, sorry" when through their actions you find your policy is considered not paid. Heaven help people who rely on the thought the employees know what they are talking about
George L.
Aug 07, 2015
Report
I have been getting TDI payments while recovering from some heart issues and a rotator cuff repair. They have been on the ball with paying me w
