American Senior Benefits Reviews The Full Truth

First and foremost, American Senior Benefits is an insurance agency so they sell insurance. They are not an insurance company, In this article on American Senior Benefits Reviews, we will cover the pros and cons of working with this agency.

We are going to focus on their burial insurance services and products which is what we specialize in. Making sure you work with the right insurance agent that offers the right insurance carriers to protect your family from your burial expenses is crucial.

So lets see how American Senior Benefits measures up.

What American Senior Benefits Sell Products

American Senior Benefits offers several different insurance products but are primarily focused on the senior market. This means the senior market would be burial insurance for ages 60, and 80 which we have covered in detail.

They offer:

  • Medicare & Medicare Supplement
  • Life Insurance
  • Long-Term Care, Short Term and Home Health Care
  • Annuities
  • Retirement Planning
  • Specialized Health Care

These products are very common in the insurance industry when working with seniors it is common for agencies to offer final expense whole life insurance, medicare and annuities. All of these products are for seniors.

This is how agents and their agencies build a book of business. We here at ParamountQuote also offer these products just with a lot more carriers in our portfolio. This is very common in the insurance business.

Get Life Insurance Quotes

Is American Senior Benefits Legit?

Yes, they are a legitimate agency however they have their pros and their cons. They are accredited with the Better Business Bureau in fact they have a complaint from what looks like a potential prospect.

Apparently, this prospect left a complaint on the BBB page expressing how they requested American Senior Benefits to have their telemarketers to stop calling.

They replied to this prospect and explained to them that someone else was using their name.

You can read the full thread here.

There are more American Senior Benefits customer reviews in that thread.

The following states are serviced by American Senior Benefits Utah, Nebraska, and Texas

Also keep in mind that they are not the same company as North American Senior Benefits.

Pros and Cons

Now we are going to go over the pros and the cons for this American Senior Benefits Reviews.


There are some cons with this agency. First of all, is that they do not seem to specialize in final expense insurance but more towards Medicare and retirement planning.

So if you are looking for final expense life insurance you will want to check with several other agencies that specialize in burial insurance.

Now they do represent some great carriers we work with a lot of these similar carriers.

They Represent:

  • Aetna
  • Allianz
  • American Equity Investment Life Insurance
  • Americo
  • Cigna
  • Great American Insurance Group Annuities
  • John Hancock
  • IAC
  • Medica
  • Medico Insurance Company
  • North American
  • Royal Neighbors of America
  • Mutual of Omaha
  • United of Omaha Life Insurance Company
  • UnitedHealthcare
  • Protective Life Insurance Company

Now heres the thing only 9 out of those 16 carriers offer final expense life insurance. In addition to this the 2 best carriers they have with competitive pricing are Royal Neighbors of America and Mutual of Omaha.

We represent both those carriers and offer another carrier called Greek Catholic Union that is in many cases more competitively priced than Mutual of Omaha. In addition, Greek Catholic Union is more liberal on getting you approved as well.

Why would you pay more for Mutual of Omaha if Greek Catholic Union is more affordable? Also when you work with us our agents can go over both products with you!

This is because we specialize in burial insurance and can help you shop more than 15 different carriers for the best burial insurance plan at the best rate GUARANTEED!

The truth is American Senior Benefits does not offer enough carriers for you to shop around with for final expense insurance in our opinion BOTTOM LINE.

We on the other hand do because we specialize in burial insurance for seniors.

So if they do not specialize in burial insurance and the fact that at least according to their website they do not offer enough carriers for shopping burial insurance. We would not recommend this agency as the ideal agency to work with for final expense insurance.


The pros are the fact that they are an independent agency with a good amount of carriers to choose from.

They are legitimate and BBB accredited.

American Senior Benefits Background

They claim their business model has created a culture of teamwork and innovation.