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AccuQuote life insurance review

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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.

18 to 85

Issue Age

$50,000 to $10,000,000


Depends on policy and provider

Medical Exam Required


Free quote Online, Phone
Monthly cost
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
Riders Accelerated death benefit rider, Accidental death benefit rider, Child rider, Conversion rider, Cost-of-living rider, Disability income benefit rider, Family income benefit rider, Guaranteed insurability rider, Long-term-care rider, Return-of-premium rider, Waiver-of-premium rider
Medical exam required Depends on policy and provider
Available states Coverage is offered in all 50 states
Issue age Not listed

Expert review

Katia Iervasi

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.

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

  • 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

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.

Compare life insurance rates

Compare quotes for life insurance policies starting at $15/month.
How do these quotes work?

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 lineup. AccuQuote provides quotes for a suite of life insurance products, including term and permanent policies.
  • 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.


  • No anonymous quotes. To get a quote, you’ll need to hand over your contact details.
  • Pushy sales tactics. Online, some customers have complained about persistent sales reps.

Compare other life insurance companies

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
18 - 75 years old
10, 15, 20, 30 years
Customize your term life insurance with a long list of life and disability riders. Get a free quote on Policygenius.
18 - 75 years old
10, 15, 20, 25, 30 years
Depends on policy
Purchase a policy worth anywhere from $25,000 to $10 million, with the option to skip the medical exam. Get a free quote on Policygenius.
18 - 80 years old
10, 15, 20, 25, 30 years
Depends on policy
Purchase term life insurance up to age 80 with Finder's #1 ranked company. Get a free quote from this A+ rated insurer on Policygenius.
20 - 85 years old
10, 15, 20, 25, 30, 35 years
Buy term life insurance all the way up to age 85, and choose a policy that lasts up to an incredible 35 years. Get a free quote on Policygenius.
John Hancock
18 - 65 years old
10, 15, 20 years
Depends on policy
Score a low rate on term life insurance with discounts and rewards for your healthy habits. Get a free quote on Policygenius.

Compare up to 4 providers

AccuQuote life insurance 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 just four reviews.

Across other forums, customers appreciate the personalized service and the fact that the site compares policies from dozens of providers. But some have said the broker’s sales tactics can be aggressive.

How do I apply for 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.

Frequently asked questions

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

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