{"id":15805,"date":"2023-11-30T09:52:00","date_gmt":"2023-11-30T09:52:00","guid":{"rendered":"https:\/\/worldscholarshipforum.com\/wealth\/?p=15805"},"modified":"2023-11-30T14:58:02","modified_gmt":"2023-11-30T14:58:02","slug":"colonial-penn-life-insurance-review","status":"publish","type":"post","link":"https:\/\/kiiky.com\/wealth\/colonial-penn-life-insurance-review\/","title":{"rendered":"Colonial Penn Life Insurance Review : Pros &amp; Cons | Legit or Scam","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\n<p>The Colonial Penn Life Insurance Company is an American life insurance company based in Philadelphia, Pennsylvania. They specialize in limited payouts to provide an affordable premium to clients. They are suitable for people who do not need large payouts. <\/p>\n\n\n\n<p>Colonial Penn offers only three types of policy; term policy, whole life policy, and guaranteed acceptance whole life, this is very limited, but Colonial Penn serves a very specific purpose. I will show you their specific functions in the Colonial Penn Life insurance review. Follow me\u2026<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-pros-and-cons\" data-level=\"2\">Pros and Cons<\/a><\/li><li><a href=\"#h-colonial-penn-life-insurance-coverage-options\" data-level=\"2\">Colonial Penn Life insurance coverage options<\/a><ul><li><a href=\"#h-1-term-life\" data-level=\"3\">1. Term life: <\/a><\/li><li><a href=\"#h-2-whole-life\" data-level=\"3\">2. \u00a0Whole life: <\/a><\/li><li><a href=\"#h-3-guaranteed-acceptance-whole-life\" data-level=\"3\">3. Guaranteed acceptance whole life: <\/a><\/li><\/ul><\/li><li><a href=\"#h-unit-of-colonial-penn-insurance-coverage\" data-level=\"2\">Unit of Colonial Penn Insurance coverage<\/a><ul><li><a href=\"#h-1-riders\" data-level=\"3\">1. Riders<\/a><\/li><li><a href=\"#h-2-customer-service\" data-level=\"3\">\u00a02. Customer Service<\/a><\/li><\/ul><\/li><li><a href=\"#h-how-to-submit-a-claim\" data-level=\"2\">How to submit a claim?<\/a><\/li><li><a href=\"#h-cancellation-of-colonial-penn-life-insurance\" data-level=\"2\">Cancellation of Colonial Penn Life Insurance <\/a><\/li><li><a href=\"#h-colonial-penn-is-your-great-go-to-option\" data-level=\"2\">Colonial Penn is your great go-to option<\/a><\/li><li><a href=\"#h-frequently-asked-questions-colonial-penn-life-insurance-review\" data-level=\"2\">Frequently Asked Questions Colonial Penn Life Insurance Review<\/a><\/li><li><a href=\"#h-conclusion\" data-level=\"2\">Conclusion<\/a><\/li><li><a href=\"#h-references\" data-level=\"2\">References<\/a><\/li><li><a href=\"#h-recommendation\" data-level=\"2\">Recommendation<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pros-and-cons\"><span id=\"pros-and-cons\"><strong>Pros and Cons<\/strong><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>S\/N<\/td><td><strong>Pros<\/strong><\/td><td><strong>Cons<\/strong><\/td><\/tr><tr><td>1.<\/td><td>Whole life, term insurance, and guaranteed acceptance whole life policies<\/td><td>Minimal options available<\/td><\/tr><tr><td>2.<\/td><td>No medical examination is needed<\/td><td>No universal life insurance<\/td><\/tr><tr><td>3.<\/td><td>They have A financial rating with A.M. Best<\/td><td>18years is the minimum while 75 is the maximum for the term policy.<\/td><\/tr><tr><td>4.<\/td><td>You can get a quote online<\/td><td>40years is the minimum while 75 years is the maximum for the whole life policy<\/td><\/tr><tr><td>5.<\/td><td>You can cancel the plan if, before 30 days of subscription, you feel the insurance does not fit you.<\/td><td>The maximum payout for&nbsp; both policies is $50,000<\/td><\/tr><tr><td><\/td><td><\/td><td>The minimum payout is $10,000<\/td><\/tr><tr><td><\/td><td><\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-colonial-penn-life-insurance-coverage-options\"><span id=\"colonial-penn-life-insurance-coverage-options\"><strong>Colonial Penn Life insurance coverage options<\/strong><\/span><\/h2>\n\n\n\n<p>The company specializes in insurance with smaller death benefits and limited underwriting. Their options are:<\/p>\n\n\n\n<p>Read: <a href=\"https:\/\/kiiky.com\/wealth\/bestow-life-insurance-reviews\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bestow Life Insurance Reviews 2023: Is It Legit or Scam | How it Works<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-term-life\"><span id=\"1-term-life\">1. <strong>Term life:<\/strong> <\/span><\/h3>\n\n\n\n<p>No medical exam is required to purchase this policy, and it covers 18 years to 75 years old. <\/p>\n\n\n\n<p>Price at the beginning is determined by age and gender, then the price increases when the insured moves into a new five years band; that is; the price increases when the person turns 21 years, 26 years, 31 years, 36 years, and so on. $50,000 maximum payout.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-female\"><span id=\"female\"><strong>FEMALE<\/strong><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>AGE<\/strong><\/td><td><strong>$10,000<\/strong><\/td><td><strong>$20,000<\/strong><\/td><td><strong>$30,000<\/strong><\/td><td><strong>$40,000<\/strong><\/td><td><strong>$50,000<\/strong><\/td><\/tr><tr><td>51-55<\/td><td>$12.49<\/td><td>$23.48<\/td><td>$34.47<\/td><td>$45.47<\/td><td>$56.46<\/td><\/tr><tr><td>56-60<\/td><td>$15.49<\/td><td>$29.48<\/td><td>$43.47<\/td><td>$57.46<\/td><td>$71.46<\/td><\/tr><tr><td>61-65<\/td><td>$20.17<\/td><td>$38.83<\/td><td>$57.50<\/td><td>$76.16<\/td><td>$94.83<\/td><\/tr><tr><td>66-70<\/td><td>$26.86<\/td><td>$52.21<\/td><td>$77.57<\/td><td>$102.93<\/td><td>$128.29<\/td><\/tr><tr><td>71-75<\/td><td>$36.86<\/td><td>$72.21<\/td><td>$107.57<\/td><td>$142.93<\/td><td>$178.28<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-male\"><span id=\"male\"><strong>MALE<\/strong><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>AGE<\/strong><\/td><td><strong>$10,000<\/strong><\/td><td><strong>$20,000<\/strong><\/td><td><strong>$30,000<\/strong><\/td><td><strong>$40,000<\/strong><\/td><td><strong>$50,000<\/strong><\/td><\/tr><tr><td>51-55<\/td><td>$16.49<\/td><td>$31.48<\/td><td>$46.47<\/td><td>$61.46<\/td><td>$76.46<\/td><\/tr><tr><td>56-60<\/td><td>$21.16<\/td><td>$40.82<\/td><td>$60.47<\/td><td>$80.13<\/td><td>$99.79<\/td><\/tr><tr><td>61-65<\/td><td>$29.72<\/td><td>$56.95<\/td><td>$84.67<\/td><td>$112.40<\/td><td>$140.83<\/td><\/tr><tr><td>66-70<\/td><td>$39.51<\/td><td>$77.51<\/td><td>$115.52<\/td><td>$153.53<\/td><td>$191.53<\/td><\/tr><tr><td>71-75<\/td><td>$55.12<\/td><td>$108.75<\/td><td>$162.37<\/td><td>$215.99<\/td><td>$269.61<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-whole-life\"><span id=\"2-whole-life\">2. <strong>&nbsp;Whole life<\/strong>: <\/span><\/h3>\n\n\n\n<p>The age range here is 40 \u2013 75 years, and the payout is $50, 000 maximum. There is a health questionnaire but no medical exam. The price is gender-based and is fixed throughout.<\/p>\n\n\n\n<p>The death benefit will not decrease in value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-guaranteed-acceptance-whole-life\"><span id=\"3-guaranteed-acceptance-whole-life\">3. <strong>Guaranteed acceptance whole life: <\/strong><\/span><\/h3>\n\n\n\n<p>Available for people of age 50 to 80 years. Neither health questions nor medical exams. Small premiums are paid and there is two years waiting period. <\/p>\n\n\n\n<p>They are structured in units, each costing $9.95 and a maximum of 12 units. Characteristics include:<\/p>\n\n\n\n<ul>\n<li>fixed rates<\/li>\n\n\n\n<li>non-expiration of policy<\/li>\n\n\n\n<li>coverage will not decrease<\/li>\n\n\n\n<li>it builds cash value over time.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Whole life insurance<\/strong><\/td><td><strong>Term life insurance<\/strong><\/td><td><strong>Guaranteed acceptance<\/strong><\/td><\/tr><tr><td><strong>Premiums (fixed?)<\/strong><\/td><td>Yes<\/td><td>no, it increases with age<\/td><td>Yes<\/td><\/tr><tr><td><strong>Death Benefits<\/strong><\/td><td>$10,000 &#8211; $50,000<\/td><td>$10,000 &#8211; $50,000<\/td><td>$400 &#8211; $17,000<\/td><\/tr><tr><td><strong>Medical exams<\/strong><\/td><td>None<\/td><td>None<\/td><td>None<\/td><\/tr><tr><td><strong>Health questionnaire<\/strong><\/td><td>Yes<\/td><td>Yes<\/td><td>No<\/td><\/tr><tr><td><strong>Average Monthly<\/strong><strong>Rate<\/strong><\/td><td>$10 &#8211; $80<\/td><td>$12 &#8211; $56<\/td><td>$30 &#8211; $133<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-unit-of-colonial-penn-insurance-coverage\"><span id=\"unit-of-colonial-penn-insurance-coverage\"><strong>Unit of Colonial Penn Insurance coverage<\/strong><\/span><\/h2>\n\n\n\n<p>A unit is the smallest package or policy you can buy at Colonial Penn Life Insurance. you can buy multiple units though and the maximum is 12. <\/p>\n\n\n\n<p>Read Also: <a href=\"https:\/\/worldscholarshipforum.com\/wealth\/life-insurance-for-seniors-over-80\/\" target=\"_blank\" rel=\"noreferrer noopener\">10 Best Life Insurance for Seniors Over 80 in 2023<\/a><\/p>\n\n\n\n<p>Below is a table showing the gender-age-unit relationship:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>AGE<\/strong><\/td><td><strong>1 FEMALE UNIT ($9.95)<\/strong><\/td><td><strong>1 MALE UNIT ($9.95)<\/strong><\/td><\/tr><tr><td>50<\/td><td>$2,083 in coverage<\/td><td>$1,786 in coverage<\/td><\/tr><tr><td>55<\/td><td>$ 1,506 in coverage<\/td><td>$1,884 in coverage<\/td><\/tr><tr><td>60<\/td><td>$1,621 in coverage<\/td><td>$1,214 in coverage<\/td><\/tr><tr><td>70<\/td><td>$1,043 in coverage<\/td><td>$717 in coverage<\/td><\/tr><tr><td>75<\/td><td>$792 in coverage<\/td><td>$503 in coverage<\/td><\/tr><tr><td>80<\/td><td>$620 in coverage<\/td><td>$426 in coverage<\/td><\/tr><tr><td>85<\/td><td>$477 in coverage<\/td><td>$418 in coverage<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-riders\"><span id=\"1-riders\">1. <strong>Riders<\/strong><\/span><\/h3>\n\n\n\n<p>These are add-on policies that modify or enhance the coverage you buy. There are limited riders options in Colonial Penn Life insurance; the most notable are:<\/p>\n\n\n\n<ul>\n<li><strong>Living insurance:<\/strong><\/li>\n<\/ul>\n\n\n\n<p>It can be added to a term life insurance or a whole life policy. You can collect up to 50% of your payout if you become chronically ill or develop a heart attack to treat yourself. However, if you become terminally ill; for example, cancer, you can only get about 25% of the payout.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-customer-service\"><span id=\"2-customer-service\">&nbsp;2. <strong>Customer Service<\/strong><\/span><\/h3>\n\n\n\n<p>Colonial Penn Life insurance company is a direct-to-consumer insurance company with no use for agents or financial professionals you can meet to discuss your options. <\/p>\n\n\n\n<p>Everything is online, you either get a quote on their website or reach their customer service line @ 1- 877-877-8052.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-submit-a-claim\"><span id=\"how-to-submit-a-claim\"><strong>How to submit a claim?<\/strong><\/span><\/h2>\n\n\n\n<p>Eventually, a claim will have to be filed. The reason why you bought this insurance is to enable you to be able to hold a funeral and tidy some expenses; it is like preparing for a sad day. However, what has to be done has to be done. <\/p>\n\n\n\n<p>This is how you file your claim:<\/p>\n\n\n\n<ul>\n<li>Statement of purpose letter<\/li>\n\n\n\n<li>Name of the person that can legally claim the payout<\/li>\n\n\n\n<li>A certified death certificate for the insured<\/li>\n\n\n\n<li>The original insurance contract(s)<\/li>\n<\/ul>\n\n\n\n<p>These documents are sent to the following addresses:<\/p>\n\n\n\n<p>Colonial Penn Life Insurance Company<\/p>\n\n\n\n<p>Life claims dept.<\/p>\n\n\n\n<p>PO BOX 1918<\/p>\n\n\n\n<p>Carmel IN 46082-1918<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cancellation-of-colonial-penn-life-insurance\"><span id=\"cancellation-of-colonial-penn-life-insurance\"><strong>Cancellation<\/strong> of Colonial Penn Life Insurance <\/span><\/h2>\n\n\n\n<p>You can cancel your plan before 30 days when you buy a policy either because you feel like it is not a good fit for you or because\u2026 if you cancel within the first thirty days, you will get your premium back in full. <\/p>\n\n\n\n<p>You can also change your plan free of charge within 30 days.<\/p>\n\n\n\n<p>Read Also: <a href=\"https:\/\/kiiky.com\/wealth\/haven-life-insurance-reviews\/\" target=\"_blank\" rel=\"noreferrer noopener\">Haven Life Insurance Reviews 2023: Pros &amp; Cons | Legit &amp; Scam | How it Works<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-colonial-penn-is-your-great-go-to-option\"><span id=\"colonial-penn-is-your-great-go-to-option\"><strong>Colonial Penn is your great go-to option<\/strong><\/span><\/h2>\n\n\n\n<p>Colonial Penn keeps offers only quality life and supplemental health insurance products. They have minimal death benefit limits. Their term and whole-life policies provide a maximum death benefit of $50,000, way lower than those offered by other life insurers. <\/p>\n\n\n\n<p>However, Colonial Penn is a good option for people looking for a whole-life policy. If you have a preexisting condition that might prevent you from purchasing life insurance from another carrier, Colonial Penn\u2019s Guaranteed Acceptance Plan might provide just the coverage you need.<\/p>\n\n\n\n<p>Colonial Penn\u2019s term life policies offer a few advantages over its competitors. They don\u2019t require a medical exam, and if you continue to renew your term life coverage, your policy may build a cash value. <\/p>\n\n\n\n<p>And, while many insurers only offer term life policies that cover you to age 85, Colonial Penn extends coverage to age 90.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-colonial-penn-life-insurance-review\"><span id=\"frequently-asked-questions-colonial-penn-life-insurance-review\"><strong>Frequently Asked Questions<\/strong> Colonial Penn Life Insurance Review<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1635756877556\"><strong class=\"schema-faq-question\"><strong>How much are Colonial Penn&#8217;s life insurance rates?<\/strong><\/strong> <p class=\"schema-faq-answer\">For a 50-year-old man, rates for term life insurance from Colonial Penn can range from $13 to $57 per month.<br \/>Guaranteed acceptance policies ran between $10 and $80 monthly, while whole-life insurance was the most expensive at $30 to $133. <br \/>Ultimately, your quotes will depend on your age, gender, and the amount of coverage you select.<br \/>Besides Colonial Penn, you can check out final-expense insurance from AAA, AIG, and Gerber providers. These companies offer competitive rates for coverage options fairly similar to what Colonial Penn offers.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1635756914864\"><strong class=\"schema-faq-question\"><strong>How much insurance do you get from Colonial Penn for $9.95 monthly?<\/strong><\/strong> <p class=\"schema-faq-answer\">Colonial Penn advertises life insurance coverage starting at $9.95 monthly for its Guaranteed Acceptance Plan. While the policy doesn\u2019t require a medical exam, it only offers limited benefits for the first two years. But the price you will pay for the policy may depend on your age, amount of coverage, and location.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1635756934634\"><strong class=\"schema-faq-question\"><strong>What is the best life insurance company?<\/strong><\/strong> <p class=\"schema-faq-answer\">According to J.D. Power\u2019s 2020 U.S. Life Insurance Study, Northwestern Mutual, State Farm, and Mutual of Omaha rank among the top life insurance companies in the U.S. In the 2020 survey, Colonial Penn didn\u2019t earn a ranking. <br \/>However, choosing the best life insurance company depends on your needs. <br \/>Some insurers offer various insurance products, like auto, business, and home coverages, while others, including Colonial Penn, don\u2019t offer such a broad portfolio. <br \/>If you are only looking for life insurance, Colonial Penn might provide the right fit, but if you need a wide range of coverages, you will need to find another insurer.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1635756979033\"><strong class=\"schema-faq-question\"><strong>How do I file a life insurance claim with Colonial Penn?<\/strong><\/strong> <p class=\"schema-faq-answer\">Colonial Penn only accepts claims through the mail. To file a claim, the named beneficiary must submit a claim form, the original insurance contract, and a certified copy of the deceased\u2019s death certificate.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span id=\"conclusion\"><strong>Conclusion<\/strong><\/span><\/h2>\n\n\n\n<p>Colonial Penn&#8217;s life insurance review is the complete guide to what you need to know before getting a life insurance plan. Their options are limited, but they are functions specific, and you will not get better options elsewhere.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-references\"><span id=\"references\"><strong>References<\/strong><\/span><\/h2>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.nerdwallet.com\/blog\/insurance\/reviews\/colonial-penn-life-insurance\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Nerd Wallet<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.bankrate.com\/insurance\/companies\/colonial-penn\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Bankrate<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/choicemutual.com\/colonial-penn-life-insurance-review\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Choice Mutual<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.investopedia.com\/colonial-penn-life-insurance-review-5075429\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Investopedia<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-recommendation\"><span id=\"recommendation\">Recommendation<\/span><\/h2>\n\n\n\n<ul>\n<li><a href=\"https:\/\/kiiky.com\/wealth\/cigna-life-insurance-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cigna Life Insurance Review 2023 And How It Works<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/kiiky.com\/wealth\/globe-life-insurance-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Globe Life Insurance Review In 2023<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/kiiky.com\/wealth\/how-much-life-insurance-do-i-need\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Much Life Insurance Do I Need? | Full Guide<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/kiiky.com\/wealth\/how-long-does-it-take-to-get-life-insurance-money-or-payout\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Long Does It Take To Get Life Insurance Money or Payout | Full Guide?<\/a><\/li>\n<\/ul>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"The Colonial Penn Life Insurance Company is an American life insurance company based in Philadelphia, Pennsylvania. They specialize&hellip;\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":14,"featured_media":15878,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1271],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v22.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Colonial Penn Life Insurance Review : Pros &amp; Cons | Legit or Scam<\/title>\n<meta name=\"description\" content=\"This article explains the colonial penn life insurance and its review. 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But the price you will pay for the policy may depend on your age, amount of coverage, and location.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/kiiky.com\/wealth\/colonial-penn-life-insurance-review\/#faq-question-1635756934634","position":3,"url":"https:\/\/kiiky.com\/wealth\/colonial-penn-life-insurance-review\/#faq-question-1635756934634","name":"What is the best life insurance company?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"According to J.D. Power\u2019s 2020 U.S. Life Insurance Study, Northwestern Mutual, State Farm, and Mutual of Omaha rank among the top life insurance companies in the U.S. In the 2020 survey, Colonial Penn didn\u2019t earn a ranking. <br \/>However, choosing the best life insurance company depends on your needs. <br \/>Some insurers offer various insurance products, like auto, business, and home coverages, while others, including Colonial Penn, don\u2019t offer such a broad portfolio. <br \/>If you are only looking for life insurance, Colonial Penn might provide the right fit, but if you need a wide range of coverages, you will need to find another insurer.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/kiiky.com\/wealth\/colonial-penn-life-insurance-review\/#faq-question-1635756979033","position":4,"url":"https:\/\/kiiky.com\/wealth\/colonial-penn-life-insurance-review\/#faq-question-1635756979033","name":"How do I file a life insurance claim with Colonial Penn?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Colonial Penn only accepts claims through the mail. To file a claim, the named beneficiary must submit a claim form, the original insurance contract, and a certified copy of the deceased\u2019s death certificate.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"featured_image_urls":{"full":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1.jpeg",1920,1080,false],"thumbnail":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-150x150.jpeg",150,150,true],"medium":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-300x169.jpeg",300,169,true],"medium_large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-768x432.jpeg",768,432,true],"large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-1024x576.jpeg",1024,576,true],"1536x1536":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-1536x864.jpeg",1536,864,true],"2048x2048":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1.jpeg",1920,1080,false],"pk-small":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-80x80.jpeg",80,80,true],"pk-thumbnail":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-300x225.jpeg",300,225,true],"csco-small":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-80x80.jpeg",80,80,true],"csco-intermediate":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-200x140.jpeg",200,140,true],"csco-thumbnail":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-380x220.jpeg",380,220,true],"csco-thumbnail-alternative":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-300x180.jpeg",300,180,true],"csco-thumbnail-uncropped":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-380x214.jpeg",380,214,true],"csco-medium":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-800x500.jpeg",800,500,true],"csco-medium-alternative":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-560x336.jpeg",560,336,true],"csco-medium-uncropped":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-800x450.jpeg",800,450,true],"csco-large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-1160x680.jpeg",1160,680,true],"csco-large-uncropped":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-1160x653.jpeg",1160,653,true],"csco-extra-large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-1920x1024.jpeg",1920,1024,true]},"post_excerpt_stackable":"The Colonial Penn Life Insurance Company is an American life insurance company based in Philadelphia, Pennsylvania. They specialize in limited payouts to provide an affordable premium to clients. They are suitable for people who do not need large payouts. Colonial Penn offers only three types of policy; term policy, whole life policy, and guaranteed acceptance whole life, this is very limited, but Colonial Penn serves a very specific purpose. I will show you their specific functions in the Colonial Penn Life insurance review. Follow me\u2026 Table of contentsPros and ConsColonial Penn Life insurance coverage options1. Term life: 2. \u00a0Whole life:&hellip;\n","category_list":"<a href=\"https:\/\/kiiky.com\/wealth\/category\/insurance\/\" rel=\"category tag\">Insurance<\/a>","author_info":{"name":"bright","url":"https:\/\/kiiky.com\/wealth\/author\/bright\/"},"comments_num":"0 comments","featured_image_urls_v2":{"full":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1.jpeg",1920,1080,false],"thumbnail":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-150x150.jpeg",150,150,true],"medium":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-300x169.jpeg",300,169,true],"medium_large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-768x432.jpeg",768,432,true],"large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-1024x576.jpeg",1024,576,true],"1536x1536":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-1536x864.jpeg",1536,864,true],"2048x2048":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1.jpeg",1920,1080,false],"pk-small":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-80x80.jpeg",80,80,true],"pk-thumbnail":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-300x225.jpeg",300,225,true],"csco-small":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-80x80.jpeg",80,80,true],"csco-intermediate":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-200x140.jpeg",200,140,true],"csco-thumbnail":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-380x220.jpeg",380,220,true],"csco-thumbnail-alternative":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-300x180.jpeg",300,180,true],"csco-thumbnail-uncropped":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-380x214.jpeg",380,214,true],"csco-medium":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-800x500.jpeg",800,500,true],"csco-medium-alternative":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-560x336.jpeg",560,336,true],"csco-medium-uncropped":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-800x450.jpeg",800,450,true],"csco-large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-1160x680.jpeg",1160,680,true],"csco-large-uncropped":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-1160x653.jpeg",1160,653,true],"csco-extra-large":["https:\/\/kiiky.com\/wealth\/wp-content\/uploads\/sites\/4\/2021\/11\/PVRHxilOPGI9Lwnq3uKcE5vRB71fWQpIDHUTS7Uz-1-1920x1024.jpeg",1920,1024,true]},"post_excerpt_stackable_v2":"The Colonial Penn Life Insurance Company is an American life insurance company based in Philadelphia, Pennsylvania. They specialize in limited payouts to provide an affordable premium to clients. They are suitable for people who do not need large payouts. Colonial Penn offers only three types of policy; term policy, whole life policy, and guaranteed acceptance whole life, this is very limited, but Colonial Penn serves a very specific purpose. I will show you their specific functions in the Colonial Penn Life insurance review. Follow me\u2026 Table of contentsPros and ConsColonial Penn Life insurance coverage options1. Term life: 2. \u00a0Whole life:&hellip;\n","category_list_v2":"<a href=\"https:\/\/kiiky.com\/wealth\/category\/insurance\/\" rel=\"category tag\">Insurance<\/a>","author_info_v2":{"name":"bright","url":"https:\/\/kiiky.com\/wealth\/author\/bright\/"},"comments_num_v2":"0 comments","gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/kiiky.com\/wealth\/wp-json\/wp\/v2\/posts\/15805"}],"collection":[{"href":"https:\/\/kiiky.com\/wealth\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kiiky.com\/wealth\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kiiky.com\/wealth\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/kiiky.com\/wealth\/wp-json\/wp\/v2\/comments?post=15805"}],"version-history":[{"count":10,"href":"https:\/\/kiiky.com\/wealth\/wp-json\/wp\/v2\/posts\/15805\/revisions"}],"predecessor-version":[{"id":59422,"href":"https:\/\/kiiky.com\/wealth\/wp-json\/wp\/v2\/posts\/15805\/revisions\/59422"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kiiky.com\/wealth\/wp-json\/wp\/v2\/media\/15878"}],"wp:attachment":[{"href":"https:\/\/kiiky.com\/wealth\/wp-json\/wp\/v2\/media?parent=15805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kiiky.com\/wealth\/wp-json\/wp\/v2\/categories?post=15805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kiiky.com\/wealth\/wp-json\/wp\/v2\/tags?post=15805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}