Assurant.com Review

After careful evaluation of assurant.com, We give it a Trust Score of 2.0 out of 5 stars. The primary reason for this low score is Assurant’s core business model, which revolves heavily around conventional insurance products and financial services that often involve interest riba, a practice strictly prohibited in Islamic finance. While the website presents itself as a robust and long-standing global business, its offerings fundamentally clash with ethical principles that prioritize fair and equitable transactions devoid of usury. The site’s emphasis on “financial services,” “credit card benefits,” “lender-placed insurance,” and standard “insurance products” points directly to a system built upon interest-based contracts and speculative elements, which are key concerns.

Here’s an overall review summary:

• Domain Age: Established in 1999, indicating a long-standing presence Creation Date: 1999-05-21T18:39:30Z.
• WHOIS Information: Publicly available and updated, registered through a reputable corporate domain registrar CSC Corporate Domains, Inc., which is a good sign for legitimacy.
• DNS Records: Correctly configured with A, NS, and MX records, suggesting a professionally managed infrastructure.
• Certificate Transparency: A large number of certificates found 1962, indicating extensive use of SSL/TLS for various subdomains and services, which is positive for security.
• Blacklist Status: Concerningly, the domain is listed in a DNS Blacklist. This is a significant red flag that can indicate past issues with spam, malware, or other illicit activities, making it highly questionable for trust.
• Website Content: The content heavily promotes various forms of insurance renters, manufactured housing, flood, commercial equipment, lender-placed, credit card benefits, and financial solutions. These services, particularly conventional insurance and interest-bearing financial products, are not permissible from an Islamic perspective due to elements of gharar excessive uncertainty and riba interest.
• Ethical Considerations Islamic Perspective: The entire premise of conventional insurance, where a fixed premium is paid for an uncertain future payout, contains gharar. Furthermore, many of their financial services, especially those tied to credit cards and lending, inherently involve riba. This makes Assurant’s offerings generally incompatible with Islamic financial principles.
• Transparency and Accountability: The website mentions “20 years of transparency and accountability as a public company” and highlights being a Fortune 500 company, which traditionally speaks to corporate governance. However, this does not negate the ethical concerns regarding the nature of their products.
• User Support Features: The site clearly directs users to “Policyholder Support” to file and manage claims, indicating a structured customer service process. They also mention commitment to policyholders impacted by natural disasters, which is a positive aspect of customer care.
• Lack of Alternatives: The website, naturally, does not offer any Takaful Islamic insurance or Halal financing alternatives, which is expected given its conventional business model.

While assurant.com appears to be a legitimate, long-established corporation with a professional online presence and a commitment to customer support, its fundamental business activities, particularly in conventional insurance and interest-based financial services, are deeply problematic from an Islamic finance standpoint. The blacklist listing is also a serious concern that warrants caution. Therefore, despite its corporate legitimacy, it cannot be recommended for those seeking ethically compliant financial solutions within an Islamic framework. Engaging with services that involve riba or excessive gharar is discouraged due to their inherent injustice and lack of spiritual benefit.

Here are better alternatives that align with ethical principles, focusing on protection, communal support, and avoiding interest-based transactions:

• Amana Mutual Funds

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  • Key Features: Offers Sharia-compliant mutual funds focusing on equity and fixed-income investments that avoid interest, gambling, alcohol, tobacco, and other non-compliant industries.
  • Average Price: Varies based on investment amount and fund chosen. typically charges management fees Expense Ratios.
  • Pros: Fully Sharia-compliant, diversified investment options, professionally managed, aligns with Islamic values.
  • Cons: Subject to market fluctuations, minimum investment requirements may apply.

• Saturna Capital

  • Key Features: Parent company of Amana Mutual Funds, also provides Sharia-compliant investment management services for individuals and institutions, emphasizing ethical investing.
  • Average Price: Fees vary based on services and asset under management.
  • Pros: Expertise in Islamic finance, long track record, comprehensive investment solutions.
  • Cons: Geared more towards serious investors. may have higher entry barriers.

• Guidance Residential

  • Key Features: Provides Sharia-compliant home financing Murabaha as an alternative to conventional mortgages, avoiding interest. They purchase the home and sell it to the client with a deferred profit.
  • Average Price: Profit rates are transparently set and are an alternative to interest payments. specific rates depend on market conditions and client profile.
  • Pros: True halal home financing, avoids riba, clear contractual agreements.
  • Cons: Limited availability in some regions, documentation process can be extensive.

• Takaful Emarat

  • Key Features: A leading Takaful Islamic insurance provider offering various personal and business protection plans based on mutual cooperation and donation, rather than conventional risk transfer.
  • Average Price: Contributions premiums vary by policy type and coverage, but operate on a principle of mutual donation into a common fund.
  • Pros: Sharia-compliant alternative to insurance, promotes mutual responsibility, transparent operations.
  • Cons: Primarily based in the UAE, may not be directly accessible for US residents but demonstrates the model. Look for local Takaful providers in the US like American Takaful

• Islamic Finance Guru IFG

  • Key Features: While not a product, IFG is an excellent resource for finding Sharia-compliant financial products and services, including investments, mortgages, and ethical business guidance. They review and recommend various providers.
  • Average Price: Free access to articles and guides. specific product costs depend on the provider IFG recommends.
  • Cons: Not a direct service provider. acts as an intermediary for information.

• Eqwaa

  • Key Features: An ethical crowdfunding platform that connects investors with businesses seeking Sharia-compliant financing. It focuses on real assets and avoids interest-based lending.
  • Average Price: Varies by investment opportunity. platform fees may apply for investors or businesses.
  • Pros: Supports ethical businesses, opportunity for real asset-backed investments, fosters economic growth without riba.
  • Cons: Investment opportunities may be limited. involves inherent investment risks.

• Zakatify

  • Key Features: A digital platform simplifying Zakat calculations and donations to verified charitable organizations. While not an insurance product, it represents a core Islamic financial practice for wealth purification and social welfare, promoting communal responsibility.
  • Average Price: Free to use. donations are based on individual Zakat obligations.
  • Pros: Easy Zakat calculation and donation, supports verified charities, promotes social responsibility and community welfare.
  • Cons: Not a commercial product. primarily a charitable giving tool.

These alternatives highlight different aspects of Islamic finance and ethical living, providing viable pathways for individuals seeking to align their financial decisions with their values, steering clear of conventional, interest-based models.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on our research and information provided by the company. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Assurant.com Review & First Look

Assurant.com presents itself as a robust and established player in the global business services sector, particularly focused on protection plans and risk management solutions.

Upon initial review, the website immediately conveys a sense of corporate legitimacy and extensive reach, highlighting its Fortune 500 status and long history.

However, a deeper dive reveals that the core services offered, primarily various forms of insurance and financial products tied to lending and credit, inherently involve elements that are problematic from an Islamic ethical standpoint.

The site is well-structured, providing easy navigation to “Business Services” and “Policyholder Support,” which are key pathways for both potential partners and existing customers.

Corporate Footprint and Market Presence

Assurant, Inc. Sensoryintegrationeducation.com Review

Has been around for over 125 years, a testament to its longevity and experience in the market.

The company boasts protecting “325M consumers around the globe” and managing “160M preowned devices repurposed,” along with “14K+ global employees.” This scale indicates a significant operational capacity and a widespread customer base.

Being a publicly traded company for over “20 years” adds another layer of scrutiny and accountability, as public companies are typically subject to rigorous reporting standards.

• Global Reach: Operations spanning multiple continents and servicing millions of customers.
• Employee Base: A large workforce suggests comprehensive support and service delivery.
• Public Accountability: As a public entity, financial statements and corporate governance are under public and regulatory review.
• Fortune 500 Status: Confirms its position among the largest U.S. corporations by revenue, implying financial stability.
• Diverse Portfolio: Engages in various segments from mobile devices to housing and automotive.

Website Design and User Experience

The assurant.com website itself is professionally designed, featuring a clean layout, clear calls to action, and accessible information regarding their services.

The navigation is intuitive, allowing users to quickly find sections related to claims, support, or business solutions. Purlsoho.com Review

The inclusion of current news and insights, such as articles on “Smarter business, stronger bottom line: Top PMC trends and renters solutions from Apartmentalize 2025” and “Q1 2025 Mobile Trade-In and Upgrade Data Trends Review,” provides relevant industry context and demonstrates a commitment to thought leadership.

• Intuitive Navigation: Menus are clearly labeled, guiding users efficiently.
• Modern Aesthetics: The site employs a contemporary design with high-quality imagery.
• Informative Content: Beyond service descriptions, they offer industry insights and research.
• Mobile Responsiveness: Likely optimized for various devices, ensuring a consistent user experience.
• Accessibility Features: Though not explicitly stated, professional sites often integrate accessibility standards.

Core Business Model Concerns

The fundamental issue with Assurant, from an ethical standpoint, lies in its reliance on conventional insurance models and interest-based financial products. Traditional insurance, as offered by Assurant, typically involves gharar excessive uncertainty or speculation because the policyholder pays a fixed premium for a future event that may or may not occur, and the payout amount can be uncertain or disproportionate to the premium. Additionally, the investment of insurance premiums by conventional insurers often involves interest-bearing instruments, further contributing to the issue of riba usury.

• Conventional Insurance: Operates on principles of risk transfer rather than mutual cooperation.
• Interest-Bearing Investments: Funds collected from premiums are likely invested in interest-generating assets.
• Financial Services: Offerings like “Credit card benefits” and “Lender-Placed Insurance” inherently suggest involvement with interest-based lending mechanisms.
• Lack of Takaful Alternatives: No mention or provision for Sharia-compliant Takaful models.
• Speculative Elements: The nature of some protection plans can be seen as speculative, contradicting ethical investment principles.

Transparency and Corporate Responsibility

Assurant highlights its “20 years of transparency and accountability as a public company,” suggesting adherence to ethical corporate governance.

They also emphasize their commitment to supporting policyholders impacted by natural disasters, which speaks to a level of social responsibility.

While these aspects are commendable from a general business perspective, they do not resolve the underlying ethical conflict concerning the nature of their financial products. Uplift.com Review

The company’s large scale and longevity indicate a robust operational framework, but this robustness is built on a foundation that includes non-permissible practices.

• Disaster Support: A positive aspect showing commitment to policyholders during crises.
• Public Company Scrutiny: Financials and operations are publicly audited and reported.
• ESG Initiatives Implied: Large corporations often have environmental, social, and governance initiatives, although specific details regarding Islamic ethical alignment are absent.
• Customer-Centric Approach: The emphasis on “helping our policyholders thrive” points to a service-oriented philosophy.
• Ethical Trade-offs: The ethical appeal of good corporate behavior is undermined by the fundamental nature of their financial services.

Ethical Implications of Insurance and Financial Services

The various insurance offerings such as “Connected Living,” “Automotive,” “Renters Solutions,” “Manufactured Housing,” “Flood Protection,” “Lender-Placed Insurance,” and “Commercial Equipment” all fall under the conventional insurance umbrella. These contracts often contain gharar uncertainty and maysir gambling because the outcome is unknown, and one party gains at the expense of another without a clear, defined exchange of equivalent value. The “Financial Services” section, which includes “Credit card benefits, and voluntary protection options that drive customer loyalty,” points to the facilitation of credit, which almost universally involves riba.

• Renters and Housing Insurance: Conventional policies typically involve elements of gharar.
• Automotive F&I Products: Financial and insurance products bundled with vehicle sales often contain interest.
• Credit Card Benefits: Implies affiliation with or promotion of interest-based credit systems.
• Lender-Placed Insurance: Directly tied to loan portfolios, thus susceptible to riba implications.
• Commercial Equipment Insurance: Similar to other insurance types, raising gharar concerns.

Is Assurant.com Legit?

Assurant.com is undeniably a legitimate website representing a real, publicly traded company with a long history and significant global operations.

The WHOIS data confirms the domain’s registration since 1999, held by CSC Corporate Domains, Inc., a reputable registrar for large enterprises.

The presence of robust DNS records, including multiple MX entries, indicates a sophisticated and active email infrastructure, typical of a major corporation. Azurestandard.com Review

Furthermore, the extensive number of SSL certificates found on crt.sh 1962 certificates signifies a broad and secure digital footprint, ensuring encrypted communication across various subdomains and services.

This level of digital infrastructure and corporate transparency clearly marks assurant.com as a legitimate entity, not a fly-by-night operation or a scam website.

However, legitimacy in existence does not equate to ethical permissibility from an Islamic perspective, especially when considering the nature of its financial products.

Verifying Corporate Standing

Is a well-established company listed on the New York Stock Exchange NYSE: AIZ. This public listing means it is subject to the rigorous reporting requirements of the U.S.

Securities and Exchange Commission SEC, including regular financial disclosures, annual reports 10-K, and quarterly reports 10-Q. These public filings provide transparency into the company’s financial health, operations, and governance. Rickeyle.com Review

Being a Fortune 500 company further solidifies its corporate standing, reflecting its substantial revenue and market capitalization.

Such details are readily verifiable through financial news outlets, corporate databases, and the SEC’s EDGAR database.

• NYSE Listing: Provides public scrutiny and regulatory oversight.
• SEC Filings: Ensures transparency of financial performance and business practices.
• Fortune 500 Recognition: A benchmark for large, influential U.S. corporations.
• Audited Financials: Financial statements are independently audited, adding credibility.
• Investor Relations: Dedicated sections on their corporate site for investor information and reports.

Website Security and Infrastructure

The technical infrastructure supporting assurant.com appears robust.

The use of Cloudflare as secondary nameservers NS0031.SECONDARY.CLOUDFLARE.COM, NS0156.SECONDARY.CLOUDFLARE.COM suggests a focus on performance, security, and DDoS protection, typical of large, consumer-facing websites.

The vast number of SSL certificates indicates that secure HTTPS connections are implemented across various parts of their website and associated services, protecting user data during interactions like logins or claims processing. Micksgarage.com Review

This robust security posture helps ensure that information exchanged with the website is encrypted and less vulnerable to interception.

• HTTPS Everywhere: Widespread use of SSL certificates for secure browsing.
• Cloudflare Integration: Enhances website performance, security, and reliability.
• DDoS Protection: Cloudflare provides mitigation against denial-of-service attacks.
• Secure Data Transmission: Encryption protects personal and financial information.
• Proactive Security Measures: Indicates a commitment to digital safety for users.

The Blacklist Red Flag

Despite its corporate legitimacy and robust security infrastructure, the fact that assurant.com is “Listed in a DNS Blacklist” is a significant concern that cannot be overlooked.

DNS blacklists typically track domains associated with spamming, phishing, malware distribution, or other undesirable online activities.

While a single listing doesn’t necessarily mean the site is currently malicious, it warrants extreme caution.

It could be due to a past compromise, an association with problematic IP ranges, or even an erroneous listing. Cctex.net Review

For a major corporation, any blacklist entry is unusual and suggests a potential security vulnerability or a historical incident that hasn’t been fully resolved or purged from all lists.

• Potential for Compromise: A blacklist entry might signal a past or ongoing security breach.
• Spam or Phishing Association: Could indicate the domain was used for illicit email campaigns.
• Reputation Damage: Blacklist status negatively impacts trust and deliverability.
• User Caution Advised: Users should be wary and monitor for any suspicious activity when interacting with the site.
• Investigation Required: For the company, it signals an area needing immediate investigation and remediation.

Regulatory Compliance and Industry Standing

As a major player in the insurance and financial services industry, Assurant is subject to extensive regulation in the U.S.

By state insurance departments and federal agencies.

This regulatory oversight ensures compliance with consumer protection laws, financial stability requirements, and ethical business practices within the conventional framework. Their partnerships with “the world’s top brands” also speak to their industry credibility and the trust placed in them by other major corporations.

• State-Level Regulation: Compliance with individual state insurance laws.
• Federal Oversight: Subject to federal financial regulations where applicable.
• Industry Partnerships: Collaborations with major brands validate their market position.
• Consumer Protection: Expected to adhere to laws protecting policyholder rights.
• Financial Solvency: Regulatory bodies monitor financial health to ensure claims can be paid.

Ethical Clash with Islamic Principles

While assurant.com is a legitimate corporate entity from a conventional business standpoint, its core offerings of conventional insurance, credit card benefits, and lender-placed insurance fundamentally conflict with Islamic financial principles. These services involve riba interest and gharar excessive uncertainty, which are prohibited. Therefore, despite its legitimacy as a company, engaging with its primary products is not recommended for those adhering to Islamic financial ethics. The company does not offer Takaful Islamic insurance or Halal financing alternatives, meaning its operations are purely conventional. Bisecthosting.com Review

• No Takaful Model: Does not offer mutual cooperation-based protection.
• Interest-Based Products: Directly or indirectly supports riba through credit and lending.
• Uncertainty in Contracts: Conventional insurance includes gharar, which is discouraged.
• Lack of Halal Alternatives: No Sharia-compliant options for its services.
• Fundamental Incompatibility: The business model itself is divergent from Islamic finance.

Assurant.com Cons

Given the detailed examination from an ethical perspective, particularly concerning Islamic financial principles, Assurant.com presents several significant drawbacks.

The most prominent cons revolve around the inherent nature of its core business, which clashes with fundamental Islamic prohibitions on interest riba and excessive uncertainty gharar. Beyond these ethical concerns, the presence of a DNS blacklist listing for a company of Assurant’s stature raises practical concerns about trust and security.

Prohibition of Riba Interest

The most critical ethical concern with Assurant.com’s offerings is their pervasive involvement with riba, or interest. The website explicitly mentions “Financial Services” including “Credit card benefits” and “Lender-Placed Insurance.” Credit cards operate on interest-based lending, where consumers pay interest on outstanding balances or receive benefits funded through interest-generating mechanisms. Lender-placed insurance is typically imposed by lenders on borrowers often for mortgages or auto loans when the borrower’s own insurance lapses, directly linking it to interest-based financing. In Islam, riba is strictly forbidden due to its exploitative nature and the promotion of wealth accumulation without real economic effort or risk-sharing.

• Credit Card Affiliation: Direct support for interest-bearing credit systems.
• Lender-Placed Insurance Tie-in: Directly connected to interest-based loans.
• Investment Portfolio: Insurance companies often invest premiums in interest-bearing bonds and securities.
• No Halal Financing Options: The absence of Sharia-compliant alternatives for loans or credit.
• Exploitative Nature: Riba is seen as a mechanism that can exacerbate inequality and debt.

Excessive Gharar Uncertainty in Conventional Insurance

Conventional insurance, which forms the backbone of Assurant’s offerings e.g., renters, automotive, flood, commercial equipment insurance, often contains gharar, or excessive uncertainty. In Islamic finance, contracts must have clear terms, and the subject matter and price must be known to both parties at the time of the contract. With conventional insurance, premiums are paid for an uncertain future event, and the payout is contingent on that event occurring. This element of speculation and the transfer of risk without a direct, tangible exchange of value can be problematic. While some level of uncertainty is unavoidable in life, excessive or unnecessary gharar is to be avoided to ensure fairness and prevent disputes.

• Uncertain Payouts: Policyholders pay fixed premiums for uncertain future claims.
• Speculative Element: The contract relies on an unknown future event.
• Lack of Mutual Cooperation: Differs from Takaful where participants contribute to a common fund for mutual aid.
• Risk Transfer: Focuses on shifting risk, rather than collective risk-sharing.
• Defined Terms: Islamic contracts emphasize clarity and absence of ambiguity.

Blacklist Listing

The DNS blacklist listing for assurant.com is a serious technical and reputational concern. Chipolo.net Review

While the company itself is legitimate, being on such a list can indicate past issues with spam, malware, or other questionable activities originating from their domain or associated servers.

For a company of Assurant’s size and public profile, any blacklist entry is unexpected and calls for thorough investigation.

It raises questions about their internal security protocols or historical compromises, which could potentially impact user trust, even if the primary business is otherwise legitimate.

• Reputational Harm: Diminishes trust and credibility among users and other online services.
• Potential Security Lapses: Could indicate vulnerabilities that led to malicious activity.
• Email Deliverability Issues: Blacklisting can cause legitimate emails from Assurant to be flagged as spam.
• User Hesitation: Potential customers might be deterred by such a red flag.
• Ongoing Monitoring: Requires continuous vigilance from the company to resolve and prevent re-occurrence.

No Sharia-Compliant Alternatives Provided

A significant drawback, from an Islamic perspective, is the complete absence of Sharia-compliant alternatives to their conventional products. Assurant does not offer Takaful Islamic insurance, which operates on principles of mutual cooperation and donation, where participants contribute to a fund for collective risk-sharing, and any surplus is returned to participants. Similarly, there are no Halal financing options or investment products that strictly adhere to Islamic ethical guidelines, avoiding riba, gharar, and investments in prohibited industries like alcohol, gambling, or pornography. This forces ethically-minded consumers to look elsewhere for compliant solutions.

• Absence of Takaful: No mutual aid or cooperative insurance options.
• No Halal Investment Funds: Does not offer ethically screened investment products.
• Conventional Focus: The entire business model is built on traditional, non-Islamic finance.
• Limited Choice for Muslims: Leaves no room for religiously compliant customers.
• Ethical Compromise: Forces those who engage with their services to compromise on their values.

Focus on Conventional Wealth Accumulation

The underlying philosophy of many of Assurant’s financial services, particularly those involving credit and investment of premiums, aligns with conventional wealth accumulation methods that are distinct from Islamic economic principles. 1red.com Review

Islamic finance encourages wealth generation through real economic activity, trade, and productive investments, emphasizing risk-sharing, social justice, and ethical responsibility.

The conventional insurance model, on the other hand, can be seen as primarily focused on risk transfer and financial leverage, often leading to transactions that are not equity-based or production-oriented.

• Emphasis on Risk Transfer: Shifting financial burden rather than shared responsibility.
• Debt-Based Mechanisms: Reliance on credit and lending rather than equity.
• Profit Generation: Profit often derived from interest and premiums, not real asset creation.
• Lack of Ethical Screening: Investments of company funds may not be ethically screened.
• Divergence in Philosophy: Fundamental difference in economic approach.

Assurant.com Pricing

Assurant.com does not publicly list specific pricing for its various insurance products or financial services on its homepage, which is standard practice for insurance providers.

Pricing for insurance is highly individualized, depending on numerous factors such as the type of coverage, the value of the assets being insured e.g., mobile devices, homes, vehicles, commercial equipment, the policyholder’s risk profile, location, deductibles chosen, and the specific terms of the policy.

For business services, pricing would involve bespoke agreements tailored to the needs of the corporate client. Eldorado.gg Review

This lack of transparent, upfront pricing makes it impossible for potential customers to quickly compare costs without going through a quote process.

Factors Influencing Insurance Premiums

Insurance premiums are complex calculations based on actuarial science and risk assessment.

For mobile device protection, factors include the device model, age, and coverage level e.g., accidental damage, loss, theft. For renters insurance, it involves the value of personal property, location, and desired liability coverage.

Automotive F&I products depend on vehicle type, value, and specific add-ons.

Flood insurance is particularly sensitive to location and flood risk zones. Royalbookhouse.com Review

Commercial equipment insurance considers the type, value, and operational risks of the machinery.

• Coverage Type and Level: The extent of protection directly impacts the premium.
• Risk Assessment: Statistical analysis of likelihood of claims for a given profile.
• Asset Value: Higher value assets typically incur higher premiums.
• Geographic Location: Premiums can vary significantly based on regional risks e.g., natural disasters.
• Deductible Amount: Higher deductibles generally lead to lower premiums, and vice versa.

Obtaining a Quote for Services

To get an accurate price from Assurant, customers typically need to navigate to the “Policyholder Support” section or contact their sales team for business services. This process usually involves providing personal information, details about the item or property to be insured, and specifying the desired coverage.

The website explicitly states, “Policyholder Support File and manage claims, or get a quote,” indicating the pathway for obtaining pricing information.

This approach ensures that the quote is customized to the individual’s specific needs and risk factors.

• Online Quote Tools: Likely available for common products like mobile or renters insurance.
• Direct Contact: For complex or business solutions, direct communication with a sales agent is necessary.
• Information Submission: Requires input of personal and asset-related data.
• Customized Pricing: Each quote is tailored to the unique circumstances of the applicant.
• No Generic Pricing: Standard for competitive insurance markets where rates vary widely.

Business Service Contract Models

For its “Business Services” offerings, which cater to industries like “Connected Living,” “Automotive,” and “Financial Services,” Assurant operates on a B2B model. Myfundedfutures.com Review

This means pricing is determined through negotiated contracts rather than standardized rates.

These contracts often involve complex structures, including volume-based pricing, revenue-sharing agreements, or per-unit fees, depending on the scale and nature of the partnership.

Clients would engage with Assurant’s sales or partnership teams to develop a custom solution and associated pricing.

• Negotiated Contracts: Pricing is not fixed but individually determined.
• Volume-Based Pricing: Discounts or tiered rates for larger clients.
• Custom Solutions: Services are often bespoke, influencing pricing.
• Revenue-Sharing: Potential models where Assurant shares in the partner’s revenue.
• Long-Term Agreements: Contracts often span multiple years, with pricing adjustments.

Value Proposition Versus Ethical Cost

From a conventional business perspective, Assurant aims to offer value through comprehensive protection plans and services that mitigate financial risk for both consumers and businesses.

However, from an Islamic ethical standpoint, the “price” is not just monetary but also spiritual and ethical. Airahome.com Review

The “value” proposition of conventional insurance and interest-based financial services is significantly diminished, if not nullified, due to their non-permissible nature.

The perceived financial protection comes at the cost of violating Islamic principles, making any monetary price ultimately too high for a Muslim consumer.

• Monetary Cost vs. Ethical Cost: The financial premium pales in comparison to the spiritual implications.
• No True Value: For Muslims, a product violating Sharia cannot provide true benefit barakah.
• Discouraged Engagement: Financial products with riba or gharar are advised against.
• Search for Halal Alternatives: The implicit “cost” pushes individuals to seek compliant options.
• Long-Term Consequences: Engaging in non-permissible transactions can have spiritual repercussions.

Absence of Free Trials or Introductory Offers

As an insurance and financial services provider, Assurant’s model typically does not involve “free trials” in the way a software or subscription service might.

Their offerings are based on active policies and service contracts.

Any introductory offers would likely be in the form of specific discounts or bundled services, particularly for their business partners, rather than a free usage period. Crawlbase.com Review

Consumers seeking protection would purchase a policy, not “try” it.

This is a standard characteristic of the insurance industry.

• Policy-Based Model: Services are activated upon purchase of a policy.
• No Software-like Trials: Distinct from digital products offering free usage.
• Potential Discounts: Offers might exist for specific bundles or loyalty programs.
• Contractual Commitments: Engagement is typically through formal agreements.
• Industry Standard: Aligns with how insurance products are generally sold.

Is Assurant.com a Scam?

Based on the available information and public records, Assurant.com is definitively not a scam. It represents a legitimate, long-established, and publicly traded Fortune 500 company Assurant, Inc.. Scam websites typically operate with anonymity, lack transparent contact information, have very recent domain registrations, display poor website quality, and promise unrealistic returns or services. Assurant.com contradicts all these hallmarks of a scam. Its legitimacy is supported by its verifiable WHOIS data, sophisticated DNS records, extensive SSL certificate history, and its status as a major player in the global insurance and financial services industry with over a century of operation. The company is regulated and publicly accountable.

However, it’s crucial to reiterate that “not a scam” does not equate to “ethically permissible” from an Islamic perspective.

The issue with Assurant is not that it’s fraudulent, but that its core business model involves practices like conventional insurance and interest-based finance that are prohibited in Islam.

Hallmarks of Legitimacy

Assurant displays numerous indicators of being a legitimate, trustworthy corporation.

Its domain, assurant.com, has been registered since 1999, showing a long-standing online presence.

The WHOIS information is transparent, listing a reputable corporate registrar CSC Corporate Domains, Inc. and a dedicated abuse contact.

The extensive number of SSL certificates from crt.sh 1962 entries confirms robust security measures, encrypting data transmission and ensuring user privacy.

Publicly available financial reports and its listing on the NYSE further cement its legitimacy, as public companies are under strict regulatory oversight by the SEC.

• Aged Domain: 25 years online, indicating stability and longevity.
• Transparent WHOIS: Clear registration details, not hidden.
• Secure Website: HTTPS implemented widely through numerous SSL certificates.
• Public Company Status: Subject to rigorous financial and operational audits.
• Physical Presence: A global company with real offices and employees.

Regulatory Oversight and Compliance

As a major insurance and financial services provider, Assurant operates within a highly regulated environment.

In the U.S., it is supervised by state insurance departments and other federal agencies, ensuring adherence to consumer protection laws, solvency requirements, and fair business practices.

This regulatory framework means the company is regularly audited and must comply with stringent rules regarding how it conducts business, handles claims, and manages customer funds.

This oversight acts as a strong deterrent against fraudulent activities.

• State Insurance Departments: Regulate insurance products and practices.
• Federal Agencies: Oversight on financial services and public company reporting.
• Regular Audits: External audits verify financial statements and internal controls.
• Consumer Protection Laws: Ensures fair treatment of policyholders.
• Legal Compliance: Operates within established legal frameworks.

Customer Feedback and Reputation

While individual customer experiences can vary with any large company, Assurant generally maintains a public reputation commensurate with its size and industry standing.

Online reviews and ratings, whether positive or negative, exist for Assurant on various consumer review platforms e.g., Better Business Bureau, Trustpilot, consumer advocate sites. The sheer volume of its operations serving 325 million consumers globally means it processes millions of claims annually.

A legitimate company will have a public record of interactions, including complaints and resolutions, unlike a scam which disappears quickly after defrauding victims.

• Established Review Presence: Active on common consumer review platforms.
• Volume of Operations: Serves millions, generating a large volume of feedback.
• Claims Processing: A core function with documented processes.
• Public Relations: Engages in public communication and crisis management.
• Dispute Resolution: Mechanisms in place for handling customer complaints.

The Blacklist Anomaly Explained

The presence of assurant.com on a DNS blacklist is indeed an anomaly for such a prominent company and requires careful consideration.

It does not automatically signify a scam, but rather a potential security incident or misuse of their domain in the past.

Common reasons for large legitimate domains ending up on blacklists include:

1. Compromised Accounts: An email account or server associated with the domain might have been compromised and used to send spam or phishing emails.
2. Malware Infection: A vulnerability on a web server or an associated system could have led to malware hosting.
3. Third-Party Issues: A third-party service provider e.g., marketing platform authorized to send emails on their behalf could have had an issue that led to the listing.
4. IP Address Reputation: Sharing an IP address with other problematic domains less common for large companies with dedicated IPs but possible.
5. False Positive: Less frequently, a legitimate domain can be erroneously listed.

For a legitimate company, such listings are typically addressed quickly to restore reputation and email deliverability.

While it’s a concern, it’s not indicative of the entire business being a scam.

• Not a Scam Indicator: More indicative of a security or reputation management issue.
• Common Causes: Often linked to email security or server vulnerabilities.
• Remediation Steps: Legitimate companies work to delist themselves.
• Temporary State: Blacklist status is usually a transient problem.
• Vigilance Still Required: Users should remain cautious of any suspicious communications.

Distinguishing Ethical Concerns from Fraud

It is critical to distinguish between a company being a “scam” i.e., fraudulent or deceptive in its core operations and a company operating in a manner that is “ethically problematic” from a specific religious or moral standpoint. Assurant falls into the latter category.

Its business practices are transparent and legal within conventional frameworks, but they involve elements interest, excessive uncertainty in contracts that are prohibited in Islamic finance.

This distinction is vital for a clear assessment: Assurant is a real company, but its services are not aligned with Islamic principles, which is a different issue than being a fraud.

• Legality vs. Ethics: Operates legally but not ethically permissible by Islamic standards.
• Conventional vs. Islamic Finance: Adheres to conventional financial models.
• No Intent to Deceive: Company openly describes its services.
• Consumer Choice: Individuals decide based on their personal values.
• Clarity on Prohibitions: Islamic law clearly defines what is permissible.

How to Cancel Assurant.com Subscription

Assurant operates primarily through protection plans, insurance policies, and service contracts rather than traditional “subscriptions” in the SaaS Software as a Service sense.

Therefore, canceling an Assurant “subscription” typically means canceling an insurance policy, a device protection plan, or a service contract.

The process usually involves specific steps dictated by the type of product and the terms outlined in the policy agreement.

It’s crucial to review your specific policy documents for the most accurate cancellation procedures, as these can vary.

Understanding Policy Cancellation Terms

Before attempting to cancel any Assurant policy, it’s essential to review the policy document you received when you enrolled.

This document outlines the terms and conditions, including cancellation clauses, potential penalties, refund eligibility, and the notice period required.

For instance, some policies might offer a pro-rata refund for the unused portion of the premium, while others might have a minimum cancellation fee or specific conditions under which cancellation is allowed.

• Policy Document Review: Essential first step to understand terms.
• Refund Eligibility: Check for pro-rata refunds or specific conditions for money back.
• Cancellation Fees: Be aware of any potential charges for early termination.
• Notice Period: Some policies might require advance notice for cancellation.
• Impact of Cancellation: Understand how cancellation affects coverage and any associated liabilities.

Contacting Assurant Customer Support

The most direct and reliable method to cancel an Assurant policy is to contact their customer support.

The assurant.com website provides clear pathways to “Policyholder Support,” which would include phone numbers, and potentially online chat or email options.

When contacting them, have your policy number, personal identification, and relevant account details ready to facilitate the process.

Be prepared to state your intention to cancel clearly and ask for confirmation of the cancellation and any applicable refund amount.

• Phone Call: Often the quickest way to speak directly with a representative.
• Online Portal: Some policies might allow cancellation through an online account.
• Written Request: For formal documentation, sending a letter via certified mail might be advisable.
• Required Information: Policy number, personal ID, and reason for cancellation.
• Confirmation: Always request written confirmation of cancellation for your records.

Specific Cancellation Processes by Product

• Mobile Device Protection: Often linked to phone carriers e.g., T-Mobile. You might need to cancel directly with your carrier or through Assurant’s mobile device protection portal. Cancellation might be immediate or at the end of the billing cycle.
• Renters Insurance: Typically requires contacting Assurant’s renters insurance division. If you’re moving or switching providers, inform them of the new policy’s start date to avoid coverage gaps.
• Automotive F&I Products: Cancellation for vehicle protection plans e.g., extended warranties often involves contacting the dealership or Assurant’s automotive division directly. Refunds might be prorated based on time or mileage.
• Lender-Placed Insurance: If this was placed by a lender, you might need to show proof of your own primary insurance to the lender, who will then notify Assurant to remove the policy.
• Commercial Equipment/Flood Protection: These are usually direct business contracts or specialized policies that require specific communication channels, often through an agent or a dedicated business support line.

Potential Challenges and Best Practices

While canceling should be straightforward, be prepared for potential challenges such as long wait times, attempts to retain your business, or complex refund calculations.

Document every interaction, including dates, times, names of representatives, and summaries of conversations.

Keep copies of all correspondence, especially cancellation confirmations.

If a refund is due, track its processing to ensure it’s received in a timely manner.

• Documentation: Maintain a record of all communication.
• Persistence: Be prepared for potential sales pitches to retain your business.
• Understand Refund Timelines: Ask when to expect any refund payment.
• Verify Cancellation: Confirm that the policy is truly terminated and no further charges will accrue.
• Dispute Resolution: Know your rights if there’s a disagreement over cancellation terms or refunds.

Ethical Implications of Continued Engagement

From an Islamic perspective, if you are currently holding an Assurant policy that involves riba or gharar, seeking to cancel it would be aligned with the principle of avoiding prohibited transactions. While there might be practical difficulties or minor financial penalties for early cancellation, the spiritual benefit of disengaging from non-permissible contracts outweighs these considerations. It’s an act of seeking purity in one’s dealings. Moving towards Takaful or other Sharia-compliant alternatives, even if it requires extra effort, is the recommended path.

• Avoiding Haram: Cancellation is a step towards adhering to Islamic principles.
• Spiritual Purity: Disengaging from non-permissible contracts cleanses one’s dealings.
• Seeking Halal Alternatives: Encourages exploration of ethical substitutes.
• Prioritizing Faith: Ethical considerations take precedence over convenience or minor financial losses.
• No Compromise: Upholding Islamic financial ethics requires a firm stance.

Assurant.com Alternatives

For individuals and businesses seeking protection and financial solutions that align with Islamic ethical principles, conventional insurance providers like Assurant are not suitable due to their involvement with riba interest and gharar excessive uncertainty. Fortunately, there are growing alternatives in the Islamic finance sector that offer Sharia-compliant solutions, primarily through the Takaful model for insurance and various Halal financing methods. These alternatives are designed to foster mutual cooperation, risk-sharing, and ethical investment, avoiding the prohibitions of interest, speculation, and unethical industries.

Takaful Islamic Insurance Providers

Takaful is the Sharia-compliant alternative to conventional insurance. It’s based on the principle of mutual cooperation, where participants contribute to a common fund Tabarru’ fund to cover each other against specific losses. Any surplus in the fund, after paying claims and expenses, is typically shared among participants or rolled over for future benefit. This model eliminates gharar and riba by operating on principles of donation tabarru’, mutual help, and transparent investment of funds in Sharia-compliant assets.

• American Takaful: An example of a Takaful provider that offers family and general Takaful products in the US.
• Key Principles: Mutual cooperation, shared responsibility, donation-based contributions.
• Investment Screening: Funds are invested only in Sharia-compliant businesses and instruments.
• Surplus Distribution: Any excess funds are often returned to participants or charity.
• Avoids Riba and Gharar: Structured to eliminate interest and excessive uncertainty.

Halal Home Financing

Traditional mortgages involve interest riba, making them impermissible in Islam. Halal home financing alternatives are structured differently, often through concepts like Murabaha cost-plus financing or Musharakah Mutanaqisah diminishing partnership. In a Murabaha structure, the financier buys the property and then sells it to the client at a pre-agreed profit margin, with payments made over time. In Musharakah Mutanaqisah, the financier and client jointly own the property, and the client gradually buys out the financier’s share.

• Guidance Residential: A prominent provider of Sharia-compliant home financing in the US.
• Murabaha: Buy-sell contract with a disclosed profit margin.
• Musharakah Mutanaqisah: Declining equity partnership.
• No Interest: Eliminates the element of riba from financing.
• Asset-Backed: Transactions are tied to real, tangible assets.

Sharia-Compliant Investment Funds

For those seeking to grow their wealth ethically, Sharia-compliant investment funds offer an alternative to conventional investment products that might involve interest-bearing securities or investments in prohibited industries. These funds meticulously screen companies and assets to ensure they align with Islamic principles. This means avoiding companies involved in alcohol, tobacco, gambling, conventional banking, arms, and pornography, and ensuring that the fund’s operations do not involve riba.

• Amana Mutual Funds: One of the oldest and largest family of Sharia-compliant mutual funds in the US.
• Saturna Capital: The investment adviser for Amana Funds, offering broader ethical investment services.
• Ethical Screening: Rigorous process to exclude non-compliant businesses.
• Interest-Free Holdings: Avoids bonds, conventional loans, and interest-bearing instruments.
• Zakat Purification: Often include mechanisms for purifying impermissible income if any is generated.

Ethical Crowdfunding and Microfinance

Ethical crowdfunding platforms provide an alternative for businesses seeking capital and investors looking for Sharia-compliant opportunities.

These platforms facilitate investment based on equity, profit-sharing, or asset-backed financing, avoiding interest-based lending.

Microfinance institutions, particularly those operating on Islamic principles, offer small loans or financial services to individuals or groups who traditionally lack access to conventional finance, focusing on productive ventures without interest.

• Eqwaa: An ethical crowdfunding platform that operates on Islamic finance principles.
• Equity-Based Financing: Investors share in the profits and losses of ventures.
• Profit-Sharing Mudarabah/Musharakah: Core Islamic finance contracts for partnerships.
• Supports Real Economy: Funds go towards productive, tangible businesses.
• Community Development: Microfinance specifically targets socio-economic upliftment.

Zakat and Sadaqah Charitable Giving Platforms

While not direct alternatives to insurance or financial products, Zakat and Sadaqah platforms represent the purest form of wealth redistribution and social security in Islam.

Zakat is an obligatory annual charity on wealth, and Sadaqah is voluntary charity.

These acts promote communal solidarity and provide a safety net, fulfilling a role that conventional insurance attempts to address, but through a spiritual and cooperative lens.

Platforms like Zakatify make it easier to calculate and distribute these funds to verified causes.

• Zakatify: A tool for Zakat calculation and donation to verified charities.
• Wealth Purification: Zakat cleanses wealth and prevents stagnation.
• Social Welfare: Provides support for the poor, needy, and other eligible categories.
• Community Solidarity: Fosters mutual responsibility and compassion.
• Spiritual Reward: Performing these acts carries immense spiritual benefit.

Ethical Financial Planning and Advisory

For those navigating complex financial decisions, engaging with financial planners who specialize in Islamic finance is crucial.

These advisors can help individuals and businesses structure their finances, investments, and protection needs in a way that is fully compliant with Sharia, offering guidance on permissible products and strategies.

They can bridge the gap between financial goals and ethical requirements.

• Islamic Finance Guru IFG: A valuable resource for finding ethical financial advice and products.
• Sharia-Compliant Guidance: Expertise in structuring financial affairs ethically.
• Personalized Advice: Tailored recommendations for individual circumstances.
• Holistic Approach: Integrates financial planning with spiritual values.
• Education and Resources: Provides knowledge to make informed, ethical choices.

assurant.com FAQ

What is Assurant.com?

Assurant.com is the official website for Assurant, Inc., a global provider of risk management solutions, including various forms of insurance e.g., mobile device, renters, automotive, flood, commercial equipment and other financial services.

It serves as a portal for policyholders to manage claims, for businesses to explore partnership solutions, and for the public to learn about the company.

Is Assurant.com a legitimate company?

Yes, Assurant.com represents a legitimate and long-established publicly traded Fortune 500 company Assurant, Inc.. It is not a scam and has a verifiable corporate history dating back over 125 years, with extensive global operations and regulatory oversight.

Why is Assurant.com listed on a DNS blacklist?

The presence of assurant.com on a DNS blacklist is an anomaly for a company of its stature.

It typically suggests past issues such as a compromised email account used for spam, a security vulnerability leading to malware, or a false positive.

While concerning, it does not imply the entire business is a scam, but rather signals a potential security or reputation issue that requires investigation.

Does Assurant offer Sharia-compliant insurance?

No, Assurant primarily offers conventional insurance products and financial services that contain elements of interest riba and excessive uncertainty gharar, which are generally not permissible in Islamic finance.

They do not explicitly offer Takaful Islamic insurance or other Sharia-compliant alternatives on their website.

Can I get a quote for Assurant services online?

Yes, you can typically get a quote for various Assurant services, such as mobile device protection or renters insurance, through their website by navigating to the “Policyholder Support” section or by directly contacting their sales team.

Pricing is customized based on your specific needs and risk profile.

How do I file a claim with Assurant.com?

You can file a claim with Assurant by visiting the “Policyholder Support” section on assurant.com, where you will find options to file and manage claims.

It is advisable to have your policy number and relevant documentation ready.

What types of insurance does Assurant provide?

Assurant provides a wide range of insurance products including Connected Living mobile devices, Automotive F&I products, Renters Solutions, Manufactured Housing, Financial Services credit card benefits, Flood Protection, Lender-Placed Insurance, and Commercial Equipment insurance.

Is Assurant a global company?

Yes, Assurant is a global company, protecting over 325 million consumers around the globe and operating with over 14,000 global employees, delivering solutions in various countries.

What are the ethical concerns with Assurant.com’s services from an Islamic perspective?

The main ethical concerns stem from the involvement of riba interest in their financial services e.g., credit card benefits, lender-placed insurance and gharar excessive uncertainty in their conventional insurance contracts. These elements are prohibited in Islamic finance.

Are there alternatives to Assurant.com for Sharia-compliant protection?

Yes, alternatives include Takaful providers for Islamic insurance, Halal home financing companies e.g., Guidance Residential, and Sharia-compliant investment funds e.g., Amana Mutual Funds. Ethical crowdfunding and Zakat platforms also offer financial solutions aligning with Islamic principles.

How do I cancel an Assurant policy?

To cancel an Assurant policy, you typically need to contact their customer support directly via phone or through their online portal.

Review your policy document for specific cancellation terms, notice periods, and potential refund eligibility.

Does Assurant offer services for businesses?

Yes, Assurant offers various “Business Services” tailored for industries such as Connected Living, Automotive, Renters Solutions, Manufactured Housing, Financial Services, Flood Protection, Lender-Placed Insurance, and Commercial Equipment, aiming to support other businesses.

What is “Lender-Placed Insurance”?

Lender-Placed Insurance LPI is a type of insurance policy placed by a lender on a borrower’s property e.g., a home or vehicle when the borrower’s own insurance lapses or is deemed insufficient.

This is often associated with interest-based loans and is a common service offered by Assurant.

What is Assurant’s vision?

Assurant’s stated vision is “To be the leading global business services company supporting the advancement of the connected world,” focusing on providing solutions in an increasingly interconnected environment.

Where can I find Assurant’s financial insights and reports?

Assurant.com features an “Insights” section where they publish articles, case studies, and infographics related to industry trends and their innovations.

As a publicly traded company, their official financial reports e.g., 10-K, 10-Q are available via the SEC’s EDGAR database or their investor relations section.

Does Assurant manage mobile device trade-ins?

Yes, Assurant is heavily involved in the mobile device ecosystem, including “sustainably repurposing” over 100 million preowned devices and providing insights into mobile megatrends, trade-ins, and upgrades.

What is the creation date of assurant.com?

The domain assurant.com was created on May 21, 1999, indicating a long-standing presence on the internet.

Is Assurant regulated?

Yes, as a major insurance and financial services company, Assurant is subject to extensive regulation by state insurance departments in the U.S.

And other relevant federal and international regulatory bodies.

What does “Connected Living” mean for Assurant?

“Connected Living” refers to Assurant’s solutions that improve the experience of connected customers, primarily through protection plans for mobile devices, smart home technology, and other consumer electronics.

Does Assurant offer credit card benefits?

Yes, Assurant lists “Credit card benefits” as part of its Financial Services offerings, aiming to drive customer loyalty through various protection and service options associated with credit card programs.