We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Insurance Companies

Southern Guaranty Insurance Company

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Insurance Companies.

Reviews

This profile includes reviews for Southern Guaranty Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

Southern Guaranty Insurance Company has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Review Ratings

    1

    Average of 17 Customer Reviews

    Want to share your experience?

    Leave a Review

    Review Details

    • Terri B

      Date: 05/17/2025

      Do not believe anything that the sales person tells you! Mine lied, everything she said was a lie! Coverage is terrible! I submitted a claim and it has taken over 4 monhths to be paid, and even then I was paid for only one of the two claims I sent in. Customer service is not helpful, they gave me wrong information for submitting a claim (FYI-SGIC does not tell you how to submit a claim...this information was no where on the app the sales person had me install and the ID card has incorrect informatoin!) I have been getting the run around for months now from claims support. No one knows what is going on, they keep telling me its in process, and will take 90 days. Such a sham! I should have read the reviews online!

    • Taylor E

      Date: 03/03/2025

      When I was sold this insurance I was told it covered ER visits, imaging, MRI, doctors visits, urgent care, vaccinations, and more! I should have known it was too good to be true. $5,000 in medical bills later every single EOB Ive received from this fraud insurance states they dont cover anything that was billed. When I called to cancel the insurance the representative says Well you have the lowest plan, we can upgrade you for more coverage which of course would come with a price increase. Regardless, the lowest plan is NOT what I was sold. This company is a scam! Stay far away!

    • Mimi M

      Date: 10/24/2024

      Total scam. Paying full premium for no benefits. Complete run around by even their managers. They all state they have answers, but I haven't been provided any. NO one will answer the phone and will send you emails they are in meetings. You will argue with every inch of your "coverage" and they do not provide a prescription drug rider so your drug prices will skyrocket unless you use Revive ****** their so called mail in pharmacy. That pharmacy is suppose to also provide discounts at area pharmacy which those pharmacies do not accept those posted discounts. Most providers do not recognize SGIC and have to backtrack to their provider network of ************. We are paying MORE than ever before for the premium and have no benefits. All around an entire joke.

    • Marvin R

      Date: 09/28/2024

      They are THE WORST insurance company I have EVER been a part of. The representatives don't give you the full scope of the coverage you are paying for. They NEVER told me that I needed to receive a "code number" via text in order to "enjoy" the prescription coverage. That coverage is a joke. Then they wanted to charge me double what I was already paying to add hospital, MRI and lab work to my policy. RIDICULOUS!! Thank God I'm done with this company as of October. It's been a hellish nightmare waiting to get good coverage for my medical and health needs. I've had to put off some much needed procedures because SGIC doesn't cover them without their ridiculous added on costs. I highly recommend NO ONE applies for this companies coverage. I'm not racist or prejudice, but if you work for a business in *******, learn to speak our language clearly.

    • Jorge T

      Date: 09/09/2024

      Worst insurance company ever. Claim filed November, 2023 and still getting the run around as of September 9, 2024. The hospital and doctors have not been paid. They say theyll call you back, and dont.

    • Deloris B

      Date: 08/18/2024

      I think this company is 100 percent a scam and they need to send me my money back

    • Lenasha M

      Date: 07/26/2024

      Do not waist your time with this company! I tried to use my insurance card today and the receptionist could not find the insurance company to make a claim. When the receptionist called the company she was told that they will pay my copay leaving me with a huge bill to pay. Needless to say I did not receive any service. I called and cancelled the insurance plan before they take another $300 from me.

    • B. W.

      Date: 03/26/2024

      My ******** purchased an Association for Responsible Planners (AFRP) Membership Plan that is included in Southern Guaranty Insurance Company (SGIC) short term health insurance that we pay for. We realize this type of health insurance is limited. I am not leaving this review because this insurance company didn't pay a claim we made. I am submitting this negative review because SGIC is a weak health insurance company that cannot provide even a properly completed Explanation of Benefits (***) when they deny coverage claim. The *** I received for a claim made was missing the drug * Code, this is a very important piece of documentation for an *** and without it the *** is pretty much useless. The SGIC *** has a space in a column where this code should have been entered, the column is titled "procedural code." SGIC left this space blank on my ***. I am provided financial support (money back) from the drug maker against the high cost of their drug when I get a shot, but because SGIC left this column space blank on the *** the drugmaker is rejecting my claim for the financial support they have promised me due to an incomplete ***. I have reached out to SGIC for over a month multiple times to ask them to correct their mistake and enter the * Code on the *** and to then send me an updated copy of the *** so I can submit it to the drugmaker for the financial support they have offered me. SGIC has informed me that they cannot make any changes to their *** or recreate an *** with the proper coding, sorry. I have tried everything; I've had multiple phone conversations with SGIC customer support including a conversation with a department supervisor. I have come to the conclusion as a result of being denied a correct *** that I needed to share my story with the BBB to log in my/our disappointment with SGIC. We have paid 7 months of premiums; all I needed was a correctly filled out ***. UGH! Probably be a good idea to look elsewhere...

      Southern Guaranty Insurance Company

      Date: 03/27/2024

      SGIC values the opportunity to respond to your review. Respectfully, due to the protections of the Health Insurance Portability and Accountability Act of 1996 (HIPAA), we are unable to provide a public response to your review that discusses protected health information. Please know that your concerns were received by SGIC's ********************* and that a dedicated compliance specialist will be responding directly to you regarding those concerns. Thank you for your patience and understanding.

      B. W.

      Date: 03/28/2024

      I received contact from a representative of the ****'s ********************** this person represented themselves as a supervisor and informed me that they have reached out to the drug maker to resolve the challenges between the two companies. I am going to be reimbursed via the drug makers financial support program to help me out with the high cost I was charged for their drug. It has been a very frustrating experience/process, but I am here to explain that SGIC did get the issue of the *** resolved with the drug makers support program, thank you.

    • Charles M

      Date: 11/22/2023

      SCAM 100%. Disgusting that this company is allowed to exist and pray upon the American people.

    • Sam H

      Date: 11/17/2023

      They've been giving us the run around for a month at this point. They've never mailed us our insurance cards, and have been nothing but trouble. According to the other reviews, this is a common occurrence. May god have mercy on the souls of these liars.

    Southern Guaranty Insurance Company is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.