AccuQuote Life Insurance Review

Life insurance might be confusing due to the large number of insurers available. By comparing plans from top-rated providers, AccuQuote can reduce the amount of time spent on research. Because they work for several insurance companies, their representatives aren’t beholden to any one of them. To acquire a quotation, you’ll need to provide your name and email address. You may also have to deal with pushy salespeople.

AccuQuote Details

AccuQuote Life Insurance Review - AccuQuote Life Insurance Logo
  • Policies. Term, Whole, Universal, Accidental death, Guaranteed life, No medical exam, Child life
  • Coverage maximum. $10,000,000
  • Term lengths. 10, 15, 20, 25, 30 or 35 years
  • Medical exam required. Depends on policy and provider
  • Available states. Coverage is offered in all 50 states
  • Issue age. Not listed

Pros and Cons of AccuQuote

Pros

  • Quick quotes
  • Works with top-rated carriers
  • Diverse product lineup
  • Comprehensive website
  • Free policy reviews

Cons

  • No anonymous quotes
  • Pushy sales tactics

AccuQuote life insurance rates

Your provider, policy, and rate class will all have an impact on the price you’re offered. Visit AccuQuote’s website for a quotation to get an estimate of what you’ll spend.

For a healthy, nonsmoking 30-year-old guy, AccuQuote’s online calculator yields $54 per month on a $250,000 term insurance and $82 per month on a $500,000 term policy.

How to get a quote from AccuQuote life insurance

To get a quote, follow these steps:

  1. The best place to begin your research is on the AccuQuote website.
  2. Then, from the selection box, choose the kind of insurance you want, such as Term.
  3. To begin, click Get Going.
  4. Please provide the following information: date of birth, gender, state of residence, and whether or not you smoke. Indicate the duration of the term and the level of coverage you want. To proceed, click the Continue button.
  5. Your name, phone number, and email address should all be in the text fields on this page. To see the quotes, click Quotes to Display.
  6. You’ll see a list of prices and deductibles appear. Dropdown boxes let you change the policy’s face value and duration. Continue reading if you appreciate the quote you see there.
  7. Requesting an application is as simple as filling out a form.

I’ve signed up. What happens next?

The next step will be discussed with you after your application has been reviewed by a representative.

What types of life insurance coverage does AccuQuote offer?

It’s a myth that AccuQuote offers life insurance. AIG, American National, Banner, Fidelity Life, Guardian, MetLife, Mutual of Omaha, Pacific Life, Protective Life, Prudential and Transamerica are just a few of the top-rated insurance carriers whose quotations may be compared for free on this site.

The quotation engine offers policies with face amounts ranging from $50,000 to $10 million for adults aged 18 to 85.

These forms of coverage may be found via a search:

  • Term life insurance. Consistent premiums and coverage for a predetermined length of time, such as 10, 15, 20, 25, 30 or 35 years, are offered by term life insurance.
  • The premium has been refunded to you. Term life insurance has a cash value component that reimburses you for your payments if you live longer than the policy’s term.
  • Life insurance that is available for the rest of your life. Life insurance that covers all of your financial obligations. You may continue to use this coverage for as long as you keep paying the payments. It is possible to take out loans against the cash worth of your insurance after investing a part of the premium.
  • Life insurance that’s available to everyone. This insurance provides protection for the rest of your life and grows in value over time. The payments aren’t based on a certain financial amount but are instead variable.
  • Life insurance for those who survive you. Two people are covered by this policy, which is often referred to as second-to-die insurance. The death benefit is paid when both policyholders have passed away.
  • The best life insurance with no medical exam
  • Simplified issue insurance. Instead of a physical examination, applicants must complete a health questionnaire instead. The maximum coverage is usually $500,000, and the cost of the premiums might be high.
  • Life insurance with a guaranteed issue. Coverage is assured and granted without the requirement for a health questionnaire or a medical examination to people aged 50 to 80.
  • Life insurance with a death benefit. This insurance, designed to cover funeral and burial expenses, is available to anybody aged 50 to 80 without a medical assessment.
  • Insurance against accidental death and bodily injury. When a policyholder is injured in an accident and incurs funeral costs, medical bills, or loss of limb or hearing, this coverage kicks in to help pay for such costs. Most AD&D insurance terminates when the policyholder becomes 80 years old.

What riders can I add to my policy?

You may be able to add the following riders to your policy, depending on the provider you select:

  • Rider for accidental death insurance policy
  • Rider for accelerated benefits upon death
  • Cyclist who is under the age of 18
  • Rider for rising living costs
  • A biker that specializes in conversions
  • Rider for supplemental income in case of disability
  • Rider for the family income tax credit
  • Rider with insurability guarantee
  • Rider for long-term care
  • Reintroduction of premium rider service
  • Premium rider waiver

AccuQuote life insurance reviews and complaints

Better Business Bureau accreditation dates back to 2003, and AccuQuote has maintained an A+ rating ever since for customer service and engagement. Many clients have praised the site’s individualized service and ability to compare insurance from dozens of insurers in other online communities. The broker’s sales methods, however, have been criticized by some as being pushy.

Checkout our review of AARP Life Insurance Review for another life insurance review.

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Levi Jorgensen
Levi Jorgensen is a life-long explorer. When he's not writing about life insurance, he works as an appraiser of antiques. He's based in Columbus, Ohio with his wife and 2 children.
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