Vantis Life Review

Types of Insurance	Term life, universal life, whole life
A.M. Best Rating	A-
Contact	1-866-826-8471 (Monday to Friday, 8 a.m. to 6 p.m. Eastern)
Medical Exam Required	For some types of coverage

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Life insurance can protect your family from catastrophic financial loss in case you die.

The Connecticut-based Vantis Life insurance company (which also operates Vantis Life of New York in New York state) offers whole life and term life coverage as a member of the Penn Mutual Life Insurance Company family.

This Vantis Life insurance review will tell you everything you need to know to determine whether getting coverage from Vantis Life is right for you.

In this review:

Vantis Life Insurance: By the numbers
Pros & cons of Vantis Life
How Vantis Life’s policies work
Eligibility & application information

Vantis Life Insurance: By the numbers

Policy	Coverage amounts	Terms	Medical exam?
Vantis Life Velocity Term Life Insurance	$50,000 to $2 million	10, 15, 20, 25, or 30 years	In some cases
Vantis Life Return on Premium Term Life Insurance	Not disclosed	20, 25, or 30 years	Yes
Vantis Life Guaranteed Golden Life Insurance	$5,000 – $20,000	N/A	No
Single-premium	Not disclosed	N/A	Yes
Whole life	Not disclosed	N/A	Yes

Pros & cons of Vantis Life

There are many advantages of buying a policy from Vantis Life, but also some downsides to be aware of.

Pros

Vantis Life is a top-rated and trusted insurance provider.

It’s rated A+ by the insurance rating and analytics company A.M. Best.
Vantis Life provides a variety of policies, including options that do not require a medical exam.

You can get a comprehensive term life insurance policy or whole life coverage (aka permanent life insurance) to protect your family or a policy that covers your funeral and other final expenses.
Vantis Life makes buying insurance coverage simple and provides helpful tools, including a calculator to help you determine the amount of life insurance coverage you need.

Cons

Guaranteed-issue policies have low maximum coverage limits, which means the protection available to your beneficiaries can be limited if you opt for this type of insurance.
Vantis isn’t the most affordable life insurance provider, so you must shop around and compare premiums to ensure you don’t overpay.

How Vantis Life’s policies work

Vantis Life provides a variety of life insurance options, so you can find the coverage that works best for your family or medical situation. The company offers both life insurance and annuity products.

Life insurance products

Vantis Life Velocity Term Life Insurance: With this level term life policy, you pay a set premium to get coverage for a predefined period that could last up to 30 years. Your premiums never go up, and your coverage remains stable during the entire policy term. Compare with our list of the best term life insurance policies.
Vantis Life Return on Premium Term Life Insurance: This policy returns premiums to you at the end of your term as long as you have made payments as scheduled during the time you have the policy, and the death benefit was not paid out.
Vantis Life Guaranteed Golden Life Insurance: Final expense policies do not require a medical exam and offer you a limited amount of coverage to help your beneficiaries pay for funeral costs and other final expenses after your death. As funerals can cost thousands of dollars, these types of policies provide an important—yet affordable—source of protection for the people you love.
Single-Premium Whole Life: Single-premium whole life insurance policy allows you to fund coverage with a single lump-sum payment. Your coverage remains in effect your whole life, so your family is guaranteed to receive a death benefit when you die.
Whole Life Insurance: Whole life policies provide coverage for life as long as you continue paying premiums. These policies can also accrue cash value and serve as a type of investment vehicle, but the premiums are more expensive than for term life coverage. Compare with our list of the best whole life insurance policies.

Annuity products

TaxSaver Freedom ROP: This retirement tool guarantees you’ll be able to withdraw the amount of your premiums, from $5,000 to $500,000 in deposits.
TaxSaver Freedom MVA: This annuity includes a market value adjustment, which means your deposit (between $5,000 and $500,000) could increase or decrease over time.

Eligibility & application information

Because Vantis Life provides many life insurance policies, almost anyone can find coverage, including final expense coverage for people who aren’t eligible for traditional term or whole life coverage.

Eligibility for Vantis Life coverage can vary depending on the plan you want. Determining your eligibility might include:

Undergoing a medical exam for some term and whole life policies.
Providing your health history and smoking status.
Maximum age limits for some policies. For example, to buy Vantis Life Guaranteed Golden Life Insurance (for final expenses), the minimum age is 50 and the maximum age is 80.

How to apply

Get a life insurance quote by clicking the “Quote & Buy” button on the life insurer’s homepage. The process involves completing a simple form that asks:

Your name
Your gender
Your birth date
The state where you live
A few health questions
Your tobacco use

You can also speak with an agent via chat on the company’s website or call Vantis Life to get personalized assistance from an insurance agent.

Other info you need to apply

While you initially need to provide only basic information about your health, there may be additional documentation required for some policies including:

Medical records
The completion of a medical exam requested by Vantis Life

Not satisfied?

If you’re not sure Vantis Life Insurance is for you, check out what coverage amounts and policy premiums you could get from a few other life insurance companies. Comparing quotes always helps you find the best deal.