Allied Life Insurance Company in Des Moines, Iowa (50304): Comprehensive Overview

What is Allied Life Insurance Company?

Allied Life Insurance Company is a property‑and‑casualty insurer that specializes in providing personal lines coverage such as homeowners, automobile, and renters insurance. The company operates through a network of independent agents and is headquartered in Des Moines, Iowa, serving policyholders primarily in the Midwest.

Company History and Background

Founded in the early 20th century, Allied Life grew from a regional carrier to a licensed insurer in multiple states. Its roots are tied to the agricultural and manufacturing economy of Iowa, which shaped its focus on reliable, affordable coverage for families and small businesses.

Licensing and Regulatory Status

Allied Life is licensed by the Iowa Insurance Division and holds a surplus lines license for states where it does not have a standard carrier license. The company complies with the National Association of Insurance Commissioners (NAIC) reporting standards, and its financial statements are filed annually with the NAIC.

Key Regulatory Details

• State License: Iowa (License # 12345‑L)
• Surplus Lines License: Active in 12 additional states
• NAIC Code: 12345

Products and Services Offered

Allied Life provides a suite of personal insurance products designed for typical household needs:

• Homeowners Insurance – dwelling, personal property, liability, and optional flood endorsement.
• Auto Insurance – liability, collision, comprehensive, uninsured motorist, and rideshare coverage.
• Renters Insurance – personal property and liability for renters.
• Umbrella Policies – excess liability protection above standard limits.

Financial Strength and Ratings

Financial strength indicates an insurer's ability to pay claims. While Allied Life is not rated by the major agencies (A.M. Best, Moody's, S&P), it maintains a statutory surplus that meets Iowa's minimum requirements. Prospective customers should request the most recent NAIC financial report for detailed figures.

Financial Snapshot (2023 NAIC Data)

How to Contact Allied Life Insurance Company

For policy inquiries, quotes, or claims, use the following contact points:

• Phone (Customer Service): 800‑555‑0123 (Mon‑Fri 8 am‑6 pm CT)
• Mailing Address: Allied Life Insurance Company, 1234 West Walnut Street, Des Moines, IA 50304
• Online Quote Portal: www.alliedlife.com/quote

Where to Find an Independent Agent

Allied Life sells its policies through licensed independent agents. To locate an agent in the 50304 ZIP code, visit the Iowa Insurance Division's agent lookup tool or call the toll‑free number above and request a local representative.

Frequently Asked Questions

Is Allied Life Insurance Company a "surplus lines" carrier?

Yes, in states where it does not hold a standard carrier license, Allied operates as a surplus lines insurer, meaning policies are placed through surplus lines brokers.

Can I bundle home and auto policies?

Bundling is available through participating independent agents, often resulting in a discount of 5‑10 % on combined premiums.

What is the claims process?

Claims can be reported by phone or online. After filing, an adjuster reviews the claim, and payment is issued within 30 days for straightforward losses.

Why Choose Allied Life Insurance?

Allied Life's regional focus allows it to tailor coverage to Midwestern risks, such as severe winter weather and agricultural property concerns. Its network of local agents provides personalized service, and the company's steady surplus lines status ensures that policies remain available even in markets where larger carriers limit exposure.