Business Details
50+ Years
experience
Trusted Group Insurance Solutions for Workforce Strength
Founded in 1961, Madison National Life Insurance Company, Inc. has built a legacy of providing tailored group insurance solutions across 49 states. Headquartered in Madison, Wisconsin, we specialize in group life, disability, and specialty health insurance, serving both public and private sectors. As a wholly owned subsidiary of Horace Mann Educators Corporation (NYSE: HMN), we leverage decades of expertise in worksite and reinsurance to deliver collaborative, relationship-driven services.Our focus on niche opportunities and comprehensive claims support ensures policyholders receive personalized attention. With a commitment to financial stability reflected in our 75-year corporate history, we prioritize strengthening workforces through customized enrollment-to-claims processes. Our team combines deep public sector knowledge with private sector adaptability, offering solutions that address evolving workforce needs while maintaining transparency and ethical standards.
Services
Group Term Life
Short-Term Disability
Long-Term Disability
Critical Illness
Accident
Limited Benefit
Fixed Indemnity
Details
- Year established: 1961
Highlights and features
- We offer 60+ years of experience in group insurance solutions
- Our team develops highly tailored policies for public and private sectors
- We maintain A.M. Best financial strength ratings through Horace Mann
- Our collaborative approach prioritizes relationship-driven service delivery
- We specialize in niche opportunities within worksite insurance markets
Services
Group Term Life
Our Group Term Life insurance provides essential death benefit coverage for employees, offering customizable options that adapt to organizational needs. This solution helps businesses attract talent while ensuring financial protection for policyholders' families. Backed by our financial strength, we deliver comprehensive support from policy implementation through claims processing.
Short-Term Disability
Short-Term Disability coverage safeguards employees' income during temporary medical leave, ensuring financial stability while recovering from non-work-related injuries or illnesses. Our flexible plans integrate seamlessly with employer benefits packages, maintaining workforce productivity through structured return-to-work programs and dedicated claims management.
Critical Illness
Critical Illness insurance provides lump-sum benefits upon diagnosis of specified conditions like cancer or heart disease. Designed to complement major medical plans, this coverage helps policyholders manage out-of-pocket expenses while maintaining financial security. Our underwriting expertise ensures competitive rates for employer-sponsored programs.
Fixed Indemnity
Fixed Indemnity plans offer predetermined cash benefits for medical services regardless of actual expenses incurred. These customizable policies provide flexible supplemental coverage that works alongside traditional health insurance, giving employers cost-effective options to enhance employee benefits packages while maintaining regulatory compliance.
Worksite Solutions
Our worksite insurance programs deliver comprehensive benefit solutions tailored to organizational needs, combining life, disability, and health products with administrative support. Through collaborative partnerships, we create enrollment systems and communication strategies that maximize participation while ensuring seamless integration with existing HR frameworks.
Questions
What types of group insurance plans do you offer?
We provide group term life, short- and long-term disability, critical illness, accident, limited benefit, and fixed indemnity plans tailored for public and private sector organizations.
Are your insurance products available nationwide?
Our insurance solutions are licensed in 49 states, with specialized programs for both public sector institutions and private businesses across the country.
What financial strength ratings do you hold?
As part of Horace Mann Educators Corporation, we maintain strong financial ratings that reflect our 75-year history of stability and commitment to policyholder protection.
How do you support workforce benefits programs?
We develop customized enrollment-to-claims solutions that strengthen employee benefits packages, combining insurance products with administrative support tailored to organizational needs.
Reviews (5)
Tanya Leasure
Apr 22, 2022
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HORRIBLE HORRIBLE company to deal with! No one gives you a straight answer and they don't know their own policies! It's not pleasant to ask them for anything because it takes forever or you don't get any satisfaction at all because they always send wrong information! Was rooked into dealing with them when I started a ROTH IRA with a retirement specialist I thought was sent from The USPS
Andres Rosario
Nov 17, 2021
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Critical: Professionalism, Quality, Responsiveness, Value I'm surprised these ppl still in business and the government hasn't stop this company from scamming ppl.unbelievable
Roy T. Boyd
Apr 10, 2021
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Wouldn't recommend at all. Staff is unwilling to provide 4 star service just adequate one of those do just enough type mentality. Smh
Courtney Bell
Jun 26, 2020
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If I could give it zero stars, I would. The treatment I received from these people was abhorrent. They do not care at all about customers--only about covering their own behinds. Juanita was extremely condescending; she made sweeping generalizations about my application and only seemed able to offer "that's just how it is" as her explanation to anything. Her boss, Mike, cares even less. I filed a complaint about them with the office of the state commissioner of insurance.
Sheri Esser
May 15, 2020
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This has been an absolutely horrible company to deal with for my short term disability. I was injured on 1/11/2020 and this company has only contacted me once, on 2/17 after calling to check on the status of my claim. All calls regarding my claim been initiated by me. It is February 17, 2020 and I still have not received a payment from being off work since January 12th. The latest hang up was a supposed date in question.
When I went and spoke directly to our HR person, she showed me the paperwork that was sent in with dates that were clearly stated. Finally got my first returned phone call today to tell me that it now has to go through another review process! Unbelievable!
When I went and spoke directly to our HR person, she showed me the paperwork that was sent in with dates that were clearly stated. Finally got my first returned phone call today to tell me that it now has to go through another review process! Unbelievable!
