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AccuQuote life insurance review

An online marketplace that lets you compare a long list of insurers in under a minute.'s rating: 5 / 5


Get a quote if…

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

Choose something else if…

  • You prefer anonymous quotes, or want to buy variable life insurance.
No reviews yet. Write a review

18 to 85

Issue Age

$50,000 to $10,000,000


Depends on policy and provider

Medical Exam Required


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


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


  • No anonymous quotes
  • Pushy sales tactics
Riders No info available

Review by

Katia Iervasi is a staff writer who hails from Australia and now calls New York home. Her writing and analysis has been featured on sites like Forbes, Best Company and Financial Advisor around the world. Armed with a BA in Communication and a journalistic eye for detail, she navigates insurance and finance topics for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

Expert review

With so many insurers 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 companies on your own.

AccuQuote life insurance rates

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.

How to get a quote from AccuQuote life insurance

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.

What types of life insurance coverage 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
  • 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. A form of term life insurance that pays back your premiums if you outlive the policy.
  • Permanent life insurance
  • Whole life insurance. This policy 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. This policy offers lifelong protection and becomes a cash asset over time. The payments are flexible, rather than set at a dollar amount.
  • Survivorship life insurance. Also known as second-to-die insurance, this policy covers two individuals — typically a married couple — and the death benefit is paid after both policyholders have died.
  • No medical exam life insurance
  • Simplified issue insurance. Skips the medical exam but requires a health questionnaire. Coverage is typically capped at $500,000, and the premiums can be expensive.
  • Guaranteed issue life insurance. Available to those aged 50 to 80, coverage is guaranteed and issued without the need for a health questionnaire or medical exam.
  • Final expense insurance. Designed to pay for funeral and burial costs, this policy is open to people between 50 and 80 years old, and doesn’t require a medical exam.
  • Accidental death and dismemberment insurance. Kicks in to pay for the policyholder’s burial expenses, injuries and/or loss of hearing, sight or a limb as a result of an accident. Most AD&D policies expire at age 80.

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
  • Child rider
  • Cost-of-living rider
  • Conversion rider
  • Disability income rider
  • Family income benefit rider
  • Guaranteed insurability rider
  • Long-term-care rider
  • Return-of-premium rider
  • Waiver-of-premium rider

AccuQuote life insurance reviews and complaints

AccuQuote has been accredited with the Better Business Bureau since 2003, and holds a high rating for its customer service and interaction. Across other forums, customers appreciate the personalized service and the fact that the site compares policies from dozens of insurers. But some have said the broker’s sales tactics can be aggressive.

AM Best financial rating Not Rated
BBB accredited Yes
BBB rating A+
1/5 out of 5 customer reviews
Customer reviews verified as of 26 October 2021

Compare life insurance companies like AccuQuote

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
Policygenius - Life Insurance
18 - 85 years old
10, 15, 20, 25, 30 years
Depends on provider and policy
Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.
Everyday Life
18 - 70
10, 15, 20, 25, 30, 35 and 40 years.
Ladder multiple life insurance policies to save on the coverage you need for all your debts.
18 - 60 years old
10, 15, 20, 25, 30 years
Apply for term life insurance in minutes and get an instant decision all online. Plus, you’ll get to skip the medical exam.
18 - 65 years old
2 - 35 years
Get a quote for term life coverage that you can adjust over time to match your financial needs. Or, track your debts with Wysh Tracker to automatically lower your coverage as you pay down debt.
20 - 60 years old
10, 15, 20, 25 or 30 years
No, for coverage up to $3M
Apply for term life insurance online without the medical exam. Get an instant decision and adjust your coverage at no charge.

Compare up to 4 providers

Frequently asked questions about AccuQuote life insurance

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

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