Take Our Life Insurance Quiz
Take Our Quiz

SureBridge Life Insurance Review

SureBridge is a subsidiary of Health Markets. Its policies are underwritten by the Chesapeake Life Insurance Company, who have historically provided affordable life insurance policies and a diverse product line.
Get a Free Quote
SureBridge Life Insurance Review

Written by Brian Greenberg
CEO / Founder & Licensed Insurance Agent

Last updated: August 9th, 2022

Reviewed by Grant Desselle
Licensed Insurance Agent

Our take on Surebridge

In 2019, the Chesapeake Life Insurance Company was acquired by UnitedHealthOne, a company that is known for its health and supplemental insurance policies.

As a result of this acquisition, the company discontinued its term life insurance policies. Today, SureBridge exclusively provides final expense insurance products.

Final expense insurance policies are a narrow form of whole life insurance. Their small amounts are designed to pay for funerals and other end-of-life expenses. SureBridge offers these policies without requiring a medical exam, though they do not guarantee coverage for every applicant.

Their history of customer complaints doesn’t exactly inspire confidence, though, and details on their policies are sketchy at best. However, applicants looking for final expense insurance may benefit from their plans, which also include living benefits.

Surbridge Life Insurance Company Details

A.M Best RatingA
S&P RatingNot Yet Rated
BBB RatingA+
Customer Service Phone800-815-8535
AddressSureBridge Insurance
9151 Boulevard 26
North Richland Hills, TX 76180-5600

What we like

Riders Available

While some final expense policies offer no additional riders, SureBridge includes living benefits with its level benefit final expense policy.

No Medical Exam

Applicants can receive approval without a medical exam, though a questionnaire will be used to determine which policy they receive.

Other Insurance Offerings

SureBridge offers supplemental insurance policies that may benefit the retirement community, as well as those who struggle with medical expenses.

What we don’t like

Limited Policy Options

SureBridge only offers final expense insurance. Those who are looking for term life insurance will have to shop elsewhere.

No Online Quotes

Applicants can only receive insurance quotes by speaking directly with an agent.

High Number of Customer Complaints

SureBridge has an unusually high number of customer complaints compared to other companies their size, partly due to reported difficulty in reaching customer service.

Principle Life Insurance Products

Full starFull starFull starEmpty starEmpty star
SureBridge exclusively offers final expense policies, having discontinued its previous line of term life products.

SureBridge currently focuses on whole life insurance policies. Their low coverage amounts make them ideal for final expense insurance plans. Customers seeking term life insurance or other forms of coverage will need to look elsewhere.

Level Benefit Final Expense Insurance

Applicants between the ages of 45 and 85 can apply for a level benefit plan. This plan provides coverage in the amount of $2,000 to $35,000.

  • Cash Value Accumulation

  • Like other whole life insurance plans, the level benefit plan accumulates cash value over time. However, due to the size of the policy, policyholders shouldn’t expect huge financial benefits.

  • No Medical Exam

  • A medical exam is not required for approval, but to qualify for this specific policy, you will need to answer some basic medical questions prior to approval.

  • Living Benefits

  • This plan includes an accelerated death rider at no extra cost. This rider will provide a portion of the death benefit if you are diagnosed with a terminal illness.

    Graded Benefit Final Expense Insurance

    The graded benefit plan is essentially identical to the level benefit plan, but it is reserved for those whose health prevents them from qualifying from the level plan. This almost certainly means that the monthly premiums will be higher and may even increase with certain lifestyle factors such as smoking.

  • Graded Benefits

  • The graded period means that full death benefits won’t be available until the policy’s third year. Prior to this, beneficiaries can expect to receive 30% of the benefit if they die in the first year and 70% in the second.

  • No Riders Available

  • Unlike the level plan, no riders are included, though applicants may be able to purchase riders for an additional cost.

Policy benefits

Full starFull starFull starHalf starEmpty star
SureBridge offers some basic riders, but customers may also appreciate the supplemental insurance products offered by the company.


It’s actually not terribly common for riders to be available for final expense plans, so we’re pleased that SureBridge offers at least one living benefit for no additional cost.

Accelerated Death Benefit

With this rider, you can receive a portion of your death benefit if you are diagnosed with a qualifying, terminal illness. This can be used for medical expenses, but may also be used for groceries and other necessary items. Level term policyholders receive this rider as part of their policy.

Accidental Death Benefit

This rider pays an additional benefit if you die as the result of an accident. These plans aren’t usually a great value, since accidental deaths are relatively rare. But if you work in a high-risk profession or enjoy dangerous hobbies, this could be of interest to you.

Supplemental Insurance

SureBridge offers supplemental insurance that can assist with health and dental expenses that are not otherwise covered by Medicare or your health insurance provider.


Full starFull starFull starHalf starEmpty star
Their level benefit plan will be the most affordable, but many companies offer simple-issue final expense coverage with greater financial transparency.

SureBridge offers online quotes only for their supplemental insurance plans. Details on their final expense plans are sketchy at best. While their website advertises life insurance policies, the link is currently broken. Applicants will have to call the company directly to contact an agent, which makes it hard to compare rates across products.

Their level benefit final expense plan will be the most affordable, and the included rider increases the policy’s value. Applicants with existing health issues may want to shop around prior to committing to a graded plan, however, since these plans can often take advantage of those who are struggling to find acceptance from affordable life insurance providers.


Full starFull starFull starFull starFull star
SureBridge enjoys a strong financial reputation based on third-party reviews.

Financial ratings

SureBridge’s financial ratings are generally high, based on reviews from top consumer watch groups:

  • A.M. Best Rating: A+
  • BBB: A+

These ratings are good indicators of a company’s overall financial reliability, answering the question of whether they’ll meet their obligations.

Customer reviews

Full starEmpty starEmpty starEmpty starEmpty star
SureBridge suffers from unusually high numbers of customer complaints, citing deceptive marketing practices and agents that can’t be reached.

Customer ratings

SureBridge suffers from unusually high numbers of customer complaints, citing deceptive marketing practices and agents that can’t be reached.

Unfortunately, SureBridge has a reputation for customer complaints. The National Association of Insurance Commissioners (NAIC) assembles customer data and provides a customer complaint ratio. A score of 1.0 is considered to be average. Ideally, a company aims for a score of less than 1.0.

As of 2020, SureBridge had a customer complaint index of 5.52. This indicates that they received five times the average number of customer complaints compared to other companies their size.

According to the NAIC’s analysis, this owes to two distinct factors:

  • Misleading marketing materials
  • Hard-to-reach customer service agents

Individual experiences may vary based on the agent that assists you, but be forewarned that others have had negative experiences.

Get the most accurate rates in 2 minutes or less
Making a financial decision doesn’t have to be stressful.
See what you qualify for by answering some health questions.