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AccuQuote life insurance review

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An online marketplace that lets you compare a long list of providers in under a minute.

Get a quote if…

  • You want to compare rates from a range of trusted providers in one place.

Choose a different provider if…

  • You prefer anonymous quotes, or are interested in variable life insurance.

18 to 85

Issue Age

$50,000 to $10,000,000

Coverage Amount

Depends on policy and provider

Medical Exam Required


Free QuoteOnline, Phone
Insurance ProductsTerm, Whole, Universal, Accidental death, Guaranteed life, No medical exam, Child life
Issue Age18 to 85
Coverage Amount$50,000 to $10,000,000
Term Lengths10, 15, 20, 25, 30 or 35 years
Medical Exam RequiredDepends on policy and provider
Ratings, Accreditation and MembershipsDepends on policy and provider
State AvailabilityCoverage is offered in all 50 states
Customer Service OptionsEmail: quotes@accuquote.com
Phone number: 800-442-9899
Policy Riders OfferedDepends on policy and provider

What types of life insurance does AccuQuote offer?

AccuQuote doesn’t actually sell life insurance. It’s a free marketplace that compares quotes from a bunch of top-rated providers, including AIG, American National, Banner, Fidelity Life, Guardian, MetLife, Mutual of Omaha, Pacific Life, Protective Life, Prudential and Transamerica.

The quoting engine supports policies for people aged 18 to 85, with face amounts between $50,000 and $10 million.

You can search for the following types of coverage:

  • Term life insurance
    Offers steady premiums and protection for a set period of time, usually 10, 15, 20, 25, 30 or 35 years.
  • Return of premium
    Is a form of term life insurance that pays back your premiums if you outlive the policy.
  • Whole life insurance
    Never expires, so long as you pay your premiums. A portion of the premium is invested to give your policy a cash value, and once you build up enough cash value, you can take out loans against your policy.
  • Universal life insurance
    Also offers lifelong protection and becomes a cash asset over time. The payments are flexible, rather than set at a dollar amount.

What riders can I add to my policy?

Depending on the carrier you choose, you might be able to customize your coverage with the following riders:

  • Accidental Death Benefit Rider
  • Accelerated Death Benefit Rider
  • Critical Illness Rider
  • Child Protection Rider
  • Cost of Living Rider
  • Disability Income Rider
  • Waiver of Premium Rider
  • Family Income Benefit Rider
  • Guaranteed Insurability Rider
  • Long-Term Care Rider
  • Return of Premium Rider
  • Term Conversion Rider

How much does AccuQuote life insurance cost?

The price you’re quoted will come down to your provider, policy and rate class. To get an idea of how much you’ll pay, go to AccuQuote’s website to get a quote.

AccuQuote’s online calculator returns $54 a month on a $250,000 term policy and $82 a month on a $500,000 term policy for the average healthy, nonsmoking 30-year-old man.

Your rate will depend on your age, gender, health and other factors weighed in underwriting.

Pros and cons of AccuQuote life insurance


  • Quick quotes. The system generates a list of quotes in under a minute.
  • Works with top-rated carriers. AccuQuote only partners with insurers that have been highly ranked by A.M. Best, a financial rating agency.
  • Diverse product line. AccuQuote provides quotes for a suite of life insurance products, including term and permanent policies.
  • Independent agency. The life insurance brokers are free to recommend policies from a long list of providers.
  • Comprehensive website. The site is incredibly detailed, with ‘101’ articles, coverage breakdowns, and handy tools like a life insurance calculator.
  • Free policy reviews. Whether you applied for a policy with AccuQuote or not, the marketplace offers complimentary coverage reviews and — recommends that everyone take them up on that once a year.


  • Not anonymous. To get a quote, you’ll need to hand over your contact details.
  • No variable life policies. If you’re interested in this type of permanent protection, you’ll need to look elsewhere.
  • Pushy sales tactics. Online, some customers have complained about persistent sales reps.

Compare other life insurance companies

Name Product Issue Ages Coverage Range Medical Exam Required State Availability
18 - 85 years old
$10,000 to $10,000,000+
Depends on provider and policy
All 50 states
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
21 - 54 years old
$50,000 to $1,000,000
Not available in Alaska or New York
Affordable 2-, 10- and 20-year term life insurance policies. Instant quotes and no medical exams.
20 to 60 years old
$100,000 to $8,000,000
Not available in New York
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.
18 - 64 years old
$100,000 to $3,000,000
All 50 states
Customized term life insurance policies up to $3 million, no medical exam for certain applicants.
25 - 60 years old
$100,000 to $5,000,000
Available in all states except for Montana
Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.

Compare up to 4 providers

AccuQuote reviews and complaints

AccuQuote has been accredited with the Better Business Bureau since 2003, and holds an A+ rating for its customer service and interaction. Customers have awarded the site 1 out of 5 stars — though it’s worth noting this rating is based on five reviews.

The BBB has recorded one complaint over the past three years, and it focused on the agency’s constant communication. Across other forums, customers appreciate the personalized service and the fact that the site compares policies from dozens of providers.

How do I sign up?

To get a quote, follow these steps:

  1. Head to the AccuQuote website.
  2. Select the type of insurance you want from the dropdown box — e.g. Term.
  3. Click Get Started.
  4. Enter your birth date, gender, state and smoking status. Specify the term length and amount of coverage you want. Click Continue.
  5. Type in your name, phone number and email address. Press Display Quotes.
  6. A list of quotes and premiums will pop up. You can adjust the face value and length of our policy using the dropdown boxes. If you see a quote you like, press continue
  7. Fill out the form to Request an Application.

I’ve signed up. What happens next?

A rep will review your application and contact you within one to two business days to discuss the next steps.

More about AccuQuote

Launched in 1994, AccuQuote was among the first companies to offer free life insurance quotes online. Its founder, Byron Udell, is considered to be a pioneer in the industry, and is often called upon to comment on life insurance in the media.

AccuQuote prides itself on its specialized service, and its agents are trained to advise customers on the best policy for their needs and budget. According to the site, the marketplace has sold over $100 billon in coverage to 200,000 customers since its inception.

Bottom line

With so many providers to choose from, life insurance can be overwhelming. AccuQuote can cut down on research by comparing policies from top-rated carriers. Its agents aren’t loyal to one particular company, and they’re well-equipped to help you to find the best possible policy. But you’ll have to input your contact details to get a quote, and possibly deal with persistent sales tactics.

Expand your options by comparing life insurance providers.

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