Many insurance providers now offer apps for smartphones in a bid to make their services more user-friendly and convenient for customers. In this article, learn about some highly-rated providers of life cover, car insurance and healthcare that also offer insurance apps as part of their overall customer experience.

Life insurance apps

TIAA Life

TIAA is among the top rated insurance companies in the U.S. according to the four major insurance company rating agencies (Moody’s, A.M. Best, Standard & Poors and Fitch Ratings). TIAA offers affordable term life insurance to cover you for a set period of years or permanent life insurance which covers you for the rest of your life. According to Reviews.com, TIAA Life is recognized as the “Best Cheap Life Insurance” provider for 2018.

While TIAA has a mobile app for managing financial accounts, you’ll need to apply for life insurance through their online application. To get a quote, click here.

Ladder Life

Ladder Life is a digital life insurance provider that allows you to apply for coverage online in just five minutes and receive a decision instantly. Ladder is secured by Fidelity Security Life Insurance Company and offers term life cover at an affordable price. There are no policy fees to worry about, and this provider even offers a money-back guarantee.

Ladder currently receives 5 / 5 on Trustpilot with many reviewers saying how quick and simple the application process is. Ladder doesn’t offer a mobile app at the moment, but you can get a quote and sign up online easily – get started here.

Best car insurance apps

Root

Root offers affordable car insurance to good drivers. The Root app monitors the way you drive. If you drive safely, you could be rewarded with a very competitive insurance premium – with up to a 52% saving compared to other quotes! It works by collecting and evaluating your driving data for 2-3 weeks, taking into account how fast you drive and how well you handle turns, etc.

Root can be downloaded from Google Play where it scores 4.4 / 5 and the App Store where it scores an admirable 4.8 / 5.

Allstate Mobile

If you have car insurance with Allstate, you’ll be able to access all your policy details through the app, as well as digital ID cards and accident support – all handy information to have at your fingertips in the case of an incident.

It’s easy to start a claim through the app; you can upload photos of any damage immediately after a collision, meaning that your claim should be processed quickly. Other benefits of the Allstate Mobile app include a gas station finder, a parking locator and Drivewise, an incentive program where safe drivers are rewarded with gift cards, money off at branded retailers and more. (Even if you don’t have a policy with Allstate, you can still make use of Drivewise!)

The Allstate Mobile app is available for Android and iOS devices. It scores highly in terms of user reviews with 4.4 / 5 on Google Play and 4.8 / 5 over at the App Store.

More on Auto insurance apps

Health insurance apps

Oscar

Oscar offers different types of healthcare plans online, from “just in case” plans to ones that help make managing a chronic condition easier. For all plans, there are Bronze, Silver, Gold, and Platinum pricing tiers available which affects how much you’ll pay and what percentage of your medical expenses will be covered.

One of the perks included in a healthcare plan from Oscar is that you can talk to an on-call doctor 24/7. Via the Oscar mobile app, you can search for symptoms, doctors and drugs, view all your health information in one place and message your Concierge team. (This is a dedicated group of support staff that help with finding a doctor, scheduling appointments and sorting out billing queries).

The mobile app also allows you to track your daily steps and earn rewards for hitting your goals – you’ll get paid $1 per day for your hard work! Once you become a member with Oscar, you can download the app from Google Play, where it scores 2.9 / 5 or via the App Store where it scores 3.5 / 5.

Aetna

Aetna provides various health insurance plans and services, including medical, pharmacy and dental plans, Medicare plans, medical management and more. According to Insure.com, Aetna scores 4 / 5 (or 85.73 out of 100) as an overall customer satisfaction rating.

Aetna offers a mobile app where users can find a doctor or urgent care facility, dentist, pharmacy or hospital as well as look up the status of a claim or get access to their Aetna ID card.

The app scores 2.9 / 5 on Google Play. It’s also available in the App store although it hasn’t received enough ratings for an overall score so far.

Summary

This article allows you to take a closer look at some popular insurance providers that offer different types of cover and apps. There are plenty of others to check out too! Visit one of the four insurance company rating agencies to find out more about a specific provider, or try an app like Qooter for insurance comparisons.

*We hope you find this article useful. Please note it doesn’t constitute professional financial advice.

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