Constitution Auto Insurance Review (2020)

Looking at Constitution Life insurance? They offer life insurance, supplemental Medicare coverage, hospital indemnity, and dental insurance for senior citizens.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 17, 2020

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Things to Remember...

  • Constitution Insurance Company does not provide auto insurance of any kind
  • Constitution Insurance provides insurance products for senior citizens
  • Constitution Insurance uses local agents to offer their insurance products

Constitution Life Insurance Company is a Florida-based insurance provider focusing solely on life insurance and other products for America’s senior citizens.

Since they don’t offer auto insurance of any kind, we are unable to review that portion of the business.

However, for general information purposes, we will review the rest of what the company offers. This company should not be confused with any of the dozens of local agents scattered around the country using the Consolidated name.

As part of the Universal American group of health insurance companies, Constitution Life is one of America’s leading providers of insurance products for senior citizens. They were originally founded in 1929 and are licensed to do business in all 50 states.

Products they provide include standard senior life insurance, supplemental Medicare coverage, hospital indemnity, and dental insurance. Some products are not available in all states or may be restricted, depending on various state regulations.

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Constitution Life Agents

Being a nationwide insurance company with so many customers and such a large product list, Constitution Life has chosen to do business based on a local agent model.

Local agents apply to represent Constitution Life along with any other number of similar carriers. Upon approval, these local agents are now certified to represent Constitution Life and their various policies.

The agent interacts directly with customers and is a middleman of sorts between them and the company.

Constitution Life customers may obtain the local agent information in one of two ways:

  • The first method is to contact the company by phone, using a toll-free number they provide on their website
  • The other method involves an online contact form, also provided on the website, which consumers fill out and submit electronically.

Insurance agents provide many different options that customers don’t get when directly working with an insurance carrier which is especially important for seniors who prefer a one-on-one relationship with their insurance agent.

This one-on-one relationship tends to be more personal, while at the same time the agent is familiar with local conditions and circumstances which affect customers and their policies.

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Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Constitution Life Claims

Like most other insurance companies, individual claims on life insurance policies are made directly with Constitution Life.

Customers may contact their local agent to get the process started, but ultimately some interaction with the carrier is going to be required.

Thankfully, both the company and its local agents understand the delicate circumstances surrounding a life insurance claim and are able to handle the situations with compassion and care.

Other types of claims, such as those relating to a Medicare supplement policy or dental insurance, are usually filed by the healthcare provider. If not, Constitution Life will advise individual customers on how to proceed with their claims.

Rest assured that the company will do everything in its power to ensure that claims are handled in a timely and efficient manner. Their website’s customer care Center provides useful information about filing claims.

Their customer care department also provides information about reporting insurance fraud.

Constitution Life Reviews

The nature of this company’s insurance products does not lend itself to a plethora of customer reviews.

Normally we find customer reviews in abundance when it comes to auto insurance, but not so much when we are talking about life insurance and other senior-related products.

Constitution Life does receive positive ratings for its financial stability and overall business practices. They enjoy a reputation within the insurance industry for providing good products, good customer service, and competitive prices.

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