The process was pretty straightforward
Reply from SBLI2026-03-02
We're happy to hear that the process was straightforward for you. Thank you for your feedback; we appreciate it.
About SBLI
Data updated- Website
- sbli.com
- Category
- Money & Insurance
- Location
- United States · Woburn
- Status
- Unclaimed
- Last 12 months
- 102 reviews
- Replies to negative
- 100% (19/19)
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Is SBLI legit?
SBLI (sbli.com) has a 4.2 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 77% of reviews are 4 stars or higher and 12% are 1 star; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
What people say
Very responsive and helpful through the…
Very responsive and helpful through the process.
Reply from SBLI2026-02-26
We appreciate you taking the time to share your positive experience. We're happy to hear that our team was helpful and responsive!
I am overall happy with the insurance policies I have with SBLI
I am overall happy with the insurance policies I obtained with SBLI. I reported an issue with one of the policy rates presented, and SBLI quickly resolved the issue and the policy was then issued at the agreed upon rate. I am happy with how SBLI put the policy holder first.
Reply from SBLI2026-02-26
Thank you so much for your thoughtful review, Michael. We truly appreciate you giving us the opportunity to look into your concerns and are glad we were able to resolve the issue promptly. Providing clear communication and putting our policyholders first is always our priority, and it means a great deal to hear that reflected in your experience. Thank you for choosing SBLI and for placing your trust in us. If you ever need anything in the future, we’re here to help. — SBLI Customer Care Team
exceptional customer service
Joelle Palmisano provided exceptional customer service throughout thhe process. She was knowledgeable, patient, and took the time to clearly explain each step, which made everything feel simple and stress-free. I truly appreciated her responsiveness and professionalism. Thanks to Joelle’s support, I felt confident and well taken care of from start to finish.
Reply from SBLI2026-02-23
We're happy to hear that you had such a positive experience. We appreciate your kind words regarding the support you received. It's great to know that you felt confident and well taken care of throughout the entire process. Thank you for your feedback.
Helpful communication
Helpful communication, clear next steps, timely follow up. No surprises or fire drills.
Reply from SBLI2026-02-23
We're happy to hear that our communication was helpful and clear, and that our follow-up was timely. We appreciate your positive feedback!
Secure letter was sent to me in error
I received a secure email that did not have my account number, which SBLI was stating to the owner that it had been changed. Too many layers exist at SBLI the person that answers the call should have the access and authority to see a policy and respond to questions. Waiting 10 days for a response is ridiculous and leaves room for errors.
Reply from SBLI2026-03-03
Thank you for taking the time to share your feedback. We’re truly sorry to hear about your recent experience and understand how frustrating this situation must have been. We apologize for the confusion surrounding the secure email and the concern it caused. To help protect our customers’ personal information, certain identifying details, such as full account numbers, are not included in communications. That said, we understand how receiving a message like this without clear context could create uncertainty. We also regret the delay you experienced in receiving a response. We understand how that can add to frustration and concern. Your feedback regarding accessibility, response time, and service layers has been shared with our team as we continue working to improve our processes and communication. If you have any additional questions or would like us to review your situation further, please don’t hesitate to contact us directly at [email protected] or 800-694-7254. — SBLI Customer Care Team
The account representative and the…
The account representative and the agent are very nice and they are thorough with their explanation about the service.
Reply from SBLI2026-02-09
We're happy to hear that the account representative and the agent provided thorough explanations about our service. We appreciate your positive feedback and thank you for your time.
We appreciated the quick response we…
We appreciated the quick response we received from SBLI. They addressed our concerns and helped us continue the coverage we needed for life insurance. Highly recommended!
Reply from SBLI2026-01-29
We're happy to hear that we could quickly address your concerns and help you maintain your life insurance coverage. We appreciate your recommendation!
Quick response
Quick response, no pressure, delivered what I asked for.
Reply from SBLI2026-01-28
We're happy to hear that you had a positive experience with our quick and efficient service. Thank you for your valuable feedback!
Good people, but a considerable hiccup in process
Everyone I worked with was great, but my application got lost during a system transition and it took 3 months of phone calls to finally get it through underwriting. There has to be an easier way to check on the status of a pending application and then initiate action.
Reply from SBLI2026-01-28
Thank you for taking the time to share your experience. We’re glad to hear that the people you worked with were helpful, but we sincerely apologize for the frustration caused by the system transition and the delay in underwriting. That’s certainly not the experience we aim to provide. We appreciate you bringing this to our attention, and we’re happy to share that the issue on our end has since been resolved. Your feedback is valuable and helps us continue improving our processes and communication. If you have any additional questions, please reach out to [email protected]. We’d be happy to help.
The process of purchasing a life…
The process of purchasing a life insurance policy from SBLI was acceptable, or even good. The SBLI "system" that caused me to renew/replace my policy lacks transparency and explanation of how the process works and what options (smart/best options) exist. Frankly I feel like I was "ripped off" for many years. Not Happy with the SBLI practices for handling expiring policies. John Ingalls 808 745 0758
Reply from SBLI2026-01-28
Thank you for sharing your feedback. We’re glad to hear that the initial purchasing process met your expectations, but we’re truly sorry to learn about your frustration regarding the renewal and replacement of your policy. We understand how important transparency and clear communication are when it comes to policy options, especially as coverage terms change or expire. Your concerns about understanding available options and feeling unsupported during that process are taken seriously. We appreciate you bringing this to our attention, as feedback like yours helps us evaluate and strengthen our practices. If you have any additional questions, please reach out to [email protected]. We’d be happy to help.
I have used SBLI previously
I have used SBLI previously. They provide the best rates for term policies, the agent was very helpful, and the process was straightforward.
Reply from SBLI2026-01-21
We're happy to hear that you had a positive experience with our term policies and helpful agent. We appreciate you mentioning our straightforward process and the great rates we offer. Thanks for your feedback!
Excellent customer service!!!
Reply from SBLI2026-01-20
We're glad everything went smoothly. Thank you for your feedback!
Easy online quote and connected by phone
Easy online quote. Connect with agent via phone. E-signed authorization for medical records. Arranged for nurse to perform vitals at my home. Followed up by email with additional information. It took about 6 weeks for approval. I requested insurance in December before Christmas.
Reply from SBLI2026-01-13
We're happy to hear that the online quote and agent connection were easy for you. We appreciate your description of the process, from e-signing to the at-home nurse visit. We're glad everything went smoothly. Thank you for your feedback!
John your agent was great
John your agent was great. Made the process as easy as possible. I did a lot of research before I chose them, and I glad I made the decision to use SBLI.
Reply from SBLI2026-01-12
We're happy to hear that the process was easy, and our agent was great. We appreciate you choosing us after doing your research. Thanks so much for your feedback.
Buying life insurance did not leave me with a smile.
I was shocked to learn that my monthly estimated premium was revised up by about 75% for what I consider to be a poor reason. Really, one seemingly insignificant thing that any average person may have included made me a 75% greater life insurance risk? I just find that to be very hard to believe. You should have more refined pricing model that recognizes this change was due to one thing and one thing alone should not represent such a high increase. Especially taken into the proper context.
Reply from SBLI2026-01-02
Thank you for sharing your experience. We understand how discouraging it can feel when a premium changes. Initial quotes are based on limited information, and final pricing is determined after a full underwriting review using established guidelines that consider the full picture. We know this can be frustrating, and we appreciate your patience through the process. We’re also glad you decided to move forward and become an SBLI policyholder. Thank you for choosing us, and for taking the time to share your perspective. If you’d like to talk through the outcome or explore options, our team is here to help.
Did not leave me with a warm and fuzzy feeling.
I think the underwriter was too critical and read too much into one piece of medical information. Especially given the way my doctor characterized this for me. Lack of clarity on how one could start at a good rating and be marked down to what appears to be average with the difference resulting in approx. 45% increase in premiums was a shock. A 10% or 20% increase would have seemed more appropriate having moved from one category to the next from my consumer sided view. A 45% increase seems like I went from good to bad. The agent did a good job of explaining things, but that still did not leave me in a warm and fussy "good place."
Reply from SBLI2026-01-02
Thank you for taking the time to share your experience. We understand how disappointing it can feel when a premium changes more than expected, even after thoughtful conversations along the way. Final pricing is determined after a complete underwriting review using established guidelines, and while the process is designed to be consistent and fair, we know the outcome can still feel difficult from a personal perspective. We’re glad to hear your agent took the time to explain things and support you through the decision. We also appreciate that you chose to move forward and become an SBLI policyholder. Thank you for your trust and for sharing your feedback. If you’d ever like to revisit your coverage or talk through options, our team is always here to help.
Exceptional service
Exceptional service. They went above and beyond and explained everything.
Reply from SBLI2025-12-26
We're happy to hear that you had such a positive experience with our service! Thank you for letting us know that we exceeded your expectations.
Great customer service experience.
My sales representative Jeffrey Taylor did an outstanding job guiding me through the application process. He was patient, polite and professional. I highly recommend him and SBLI.
Reply from SBLI2025-12-26
We're happy to hear that you had a positive experience. We appreciate you highlighting the patience, politeness, and professionalism demonstrated during the application process, and we thank you for recommending us.
My SBLI agent was not very responsive
I sent the agent I was working with an email with a quick and minor relevant question a few times throughout the process of getting a quote for life insurance. He never replied unless he had to to keep things moving forward. I wound up having to call customer service and ask them. They cc'd the agent in an email back to me. Not a huge deal, but not courteous or professional on the agent's part. The customer service rep was great. In addition to that, when the agent gave me the initial quote, he forced my health rating to be better than the one that was automatically given to him to make the quote "more accurate". Seemed like a slightly slimy move to make me a little more likely to keep going through the process with the hopes that when I got the real number, I'd be too invested to quit and look elsewhere.
Reply from SBLI2025-12-19
Thank you for sharing your experience. I’m sorry to hear that parts of the process felt frustrating, and we appreciate you bringing this to our attention. You’re right to expect timely, professional communication. We’ve followed up internally to address both the communication concerns and the quoting experience you described. I’m glad our customer service team was able to support you, and we appreciate your feedback as it helps us improve. If you have any further questions, need guidance, or would like to share additional feedback, please feel free to reach out to: Ross Singmaster Direct Sales Manager [email protected] We’ll be happy to help.