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Choice Mutual life insurance review 2021

Compare final expense policies from over 20 carriers with the click of a button.

Get a quote if You’re in the market for a final expense policy.

Choose a different provider if You’re looking for a term, variable or universal life insurance policy.

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18 to 85

Issue Age

$2,000 to $10,000,000


Depends on policy

Medical Exam Required


Policies Term, Whole, Universal, Quality of Life, Permanent, Guaranteed Issue Whole Life Insurance, Accidental Death Insurance, Index universal, Final expense
Coverage maximum $10,000,000
Term lengths 10, 15, 20, 25, 30, 35 years
Medical exam required Depends on policy
Available states All 50 states
Issue age 18 - 85 years old


  • Partners with top-rated carriers
  • Compare multiple companies at once
  • Personalized service from a licensed agent
  • High customer satisfaction


  • Phone number and email address required to get a quote
  • No online application
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

If you’re looking for a final expense policy to cover your funeral and end-of-life costs, Choice Mutual can make the buying process easier. The broker specializes in burial coverage, and has a team of agents across the country that can help you to find the policy that suits your needs and budget. But you can’t apply online.

To explore other options, compare life insurance companies and find a policy that best fits your coverage needs.

Choice Mutual life insurance rates

The major benefit of shopping with Choice Mutual is comparing multiple insurers side-by-side. The broker doesn’t claim to offer cheaper rates if you go through them — its purpose is to give you the details you need to make an informed decision.

How to get a quote from Choice Mutual life insurance

To learn about your final expense insurance options, follow these steps:

  1. Go to the Choice Mutual website.
  2. On the homepage, click Get instant quotes.
  3. Enter your name, state, date of birth, contact details and the amount of coverage you need. Click Next.
  4. The system will compare quotes from multiple providers, and recommend the best policy for you.
  5. If you see a policy you’d like to move forward with, press Apply.
  6. Type in your contact details and click Submit application.
  7. A licensed agent will reach out to discuss the next steps.

What types of life insurance coverage does Choice Mutual offer?

Choice Mutual is an independent broker that specializes in final expense insurance, also known as funeral or burial insurance. It’s licensed in all 50 states, and sells policies through a network of professional agents across the country.

The broker works with over 20 carriers, and offers traditionally underwritten and guaranteed issue policies.

Choice Mutual life insurance reviews and complaints

Choice Mutual has an excellent reputation. The broker is accredited with the Better Business Bureau (BBB), and holds an A+ rating for its customer engagement as of October 2020. The BBB is yet to record any complaints about the business, either.

On Trustpilot, Choice Mutual has 5 out of 5 stars and over 439 reviews. Many customers comment on how professional, efficient and empathetic its agents are.

AM Best financial rating A+
BBB accredited Yes
BBB rating A+
5/5 out of 28 customer reviews
Trustpilot score 5/5 out of 485 customer reviews
Customer reviews verified as of 19 January 2021

Compare life insurance companies like Choice Mutual

If you’re looking for more options to compare, take a look at these other providers.

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
18 - 60 years old
5, 10, 15, 20, 25 and 30 years
Compare 40+ insurers and apply online to get the lowest possible price — no 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.
18 - 60 years old
10, 15, 20, 25, 30 years
Get a quote in less than 10 minutes with on-the-spot approval and no medical exam.
Everyday Life
20 - 75 years old
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.
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.
JRC Life Insurance
18 - 85 years old
10, 15, 20, 25, 30, 35, 40 years to lifetime/age 121
May be required
Compare policies up to $10 million from 45+ top insurance companies with the click of a button.

Compare up to 4 providers

Which companies does Choice Mutual work with?

Choice Mutual sources quotes from a range of carriers across the US, including Mutual of Omaha, Transamerica, Gerber Life Insurance, AIG and the Royal Neighbors of America.

Company ratings

There are a few agencies that assess insurers’ financial strength and customer satisfaction. Financial strength is important to consider because it indicates how likely it is a company will be able to pay out claims.

Company AM BestBetter Business BureauJ.D. Power
Mutual of OmahaA+A+4 out of 5
TransamericaA+A+2 out of 5
Gerber Life InsuranceAA+N/A
AIGAA+2 out of 5
Royal Neighbors of AmericaAA+N/A

Frequently asked questions about life insurance Choice Mutual

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