Business Details
50+ Years
experience
Your Trusted Life Insurance Company of Alabama Company of Alabama Partner in Alabama and Beyond
Since 1952, Life Insurance Company of Alabama Company of Alabama has been committed to providing reliable insurance solutions to families across the Southeast. Our company has paid hundreds of millions in benefits, including over $38 million in the past two years alone, demonstrating our financial strength and dedication to policyholders. We operate in 12 states, maintaining high ratings from AM BEST and Standard Analytical Service to ensure stability. Our product portfolio addresses gaps in coverage, focusing on middle-income families through voluntary supplemental insurance at affordable group rates. With over 25 years of experience in worksite marketing, we combine industry expertise with personalized service.Our leadership team, including President Clarence W. Daugette III and Executive Vice President Raymond R. Renfrow, Jr., brings decades of experience to guide our growth. We uphold values of honesty, integrity, and dependability while empowering our sales team through education and support. Our founders legacy of community-focused service continues to shape our approach. We prioritize policyholder needs, ensuring our products deliver meaningful protection when it matters most. Today, we remain financially strong and poised to serve future generations.
Services
Life Insurance
Accident Insurance
Cancer Insurance
Critical Illness Insurance
Dental Insurance
Disability Insurance
Hospital Indemnity Insurance
Details
- Year established: 1952
Highlights and features
- We have 71 years of experience serving Southeastern communities.
- Our AM BEST ratings reflect proven financial strength and stability.
- We operate in 12 states with localized insurance solutions.
- We pioneered worksite marketing of supplemental insurance for 25+ years.
- Our products fill coverage gaps with direct-to-insured benefits.
Associations and certifications
- AM BEST Company
- Standard Analytical Service, Inc.
Services
Life Insurance Company of Alabama Company of Alabama
Our life insurance policies provide financial security for families during critical times. Designed for middle-income households, these policies pay benefits directly to insured individuals, helping cover end-of-life expenses and income replacement. With 71 years of experience, we ensure reliable protection tailored to policyholder needs.
Cancer Insurance
Cancer insurance policies offer targeted financial support for treatment costs and related expenses. Benefits are paid directly to policyholders upon diagnosis, complementing major medical coverage. Our plans address gaps in traditional insurance, providing flexibility for out-of-pocket costs during treatment.
Hospital Indemnity Insurance
Hospital indemnity insurance provides cash benefits for inpatient stays, surgeries, and related care. These policies supplement major medical plans by covering deductibles, copays, and non-covered services. We design them to reduce financial stress during unexpected hospitalizations.
Disability Insurance
Disability insurance replaces a portion of income if an injury or illness prevents work. Our policies ensure financial stability for policyholders and families during recovery periods. Benefits are structured to align with employment situations and living expenses.
Accident Insurance
Accident insurance provides lump-sum payments for accidental injuries requiring medical treatment. Benefits cover emergency care, hospital stays, and rehabilitation costs. These plans offer immediate financial relief for unexpected incidents, complementing existing health insurance.
People
Clarence W. Daugette III
President
Clarence W. Daugette III leads with decades of industry experience, continuing his father's legacy since 1952. He oversees strategic growth and maintains the company's commitment to policyholder protection. His leadership emphasizes financial strength and community-focused service.
Raymond R. Renfrow, Jr.
Executive Vice President/Chief Marketing Officer
Raymond R. Renfrow, Jr., CLU, directs marketing strategies with over 25 years of worksite insurance expertise. He focuses on expanding affordable group-rate solutions while maintaining high service standards. His leadership strengthens the company's regional market position.
Questions
What types of insurance does Life Insurance Company of Alabama Company of Alabama Company of Alabama offer?
We offer life, accident, cancer, critical illness, dental, disability, and hospital indemnity insurance policies tailored for middle-income families.
In which states are your policies available?
Our insurance products are available in Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, and Texas.
How do I file a wellness claim?
Download and complete all required forms from our website, then mail them to P.O. Box 349, Gadsden, AL 35902. Do not email sensitive documents.
Can I get a quote online?
Yes, visit our website to request a personalized, no-obligation quote if you reside in one of our 12 service states.
What financial ratings do you hold?
We maintain high ratings from AM BEST Company and excellent marks from Standard Analytical Service, Inc., reflecting our financial stability.
