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SelectQuote life insurance review 2021

This online broker does the legwork to connect you with coverage that meets your needs.'s rating: 3.5 / 5


  • Get a quote if… You want the cheapest price out there or have less-than-perfect health. SelectQuote scours over 70 policies to match you with the best provider for your exact situation or health condition.
  • Pick something else if… You want to buy insurance directly. SelectQuote will connect you with a provider, but it doesn’t sell coverage directly.

18 to 80

Issue Age

$100,000 to $5,000,000+


Depends on policy and provider

Medical Exam Required


Policies Term
Coverage maximum $5,000,000+
Term lengths 10, 15, 20, 25, or 30 years
Medical exam required Depends on policy and provider
Available states SelectQuote does not sell Life Insurance in South Dakota
Issue age Not listed


  • Its services are free
  • Could save you time and energy
  • Only works with A-rated companies


  • It doesn’t sell insurance
  • Its pool of options is relatively small
  • To get a quote, you’ll need to talk on the phone
Riders No info available

Review by

Amy Stoltenberg is a staff writer at Finder. She manages Finder's newsletter, which is about all things personal finance, with a sparkling eye toward cryptocurrency and the exciting world of DeFi. When her laptop's closed, you can find her driving around Los Angeles, marveling at the palm trees. She studied writing at Savannah College of Art and Design and has been featured on the Zoe Report.

Expert review

As an online brokerage, SelectQuote partners with over a dozen A-rated insurers to help you find the coverage that best meets your needs. Its services are free to you, and useful for narrowing down your options and finding a low-cost policy.

But it’s limited to term life insurance, so if you’re in the market for permanent coverage, explore other life insurance companies.

SelectQuote life insurance rates

SelectQuote doesn’t directly issue life insurance policies, so the premium you’ll pay comes down to the insurer you choose — though the broker says you can find coverage for as little as $1 a day.

The benefit of using SourceQuote is that you can compare rates from 12 different insurers at once. Its goal is to find you the best price based on your personal circumstances, so being honest about details like your health can help SelectQuote match you to the right provider.

How to get a quote from SelectQuote life insurance

Getting a quote just takes a few minutes, and eventually leads to a phone call with an agent. To start, follow these steps:

  1. Go to Select Quote’s website and select Get Your Free Quote.
  2. First, it’ll ask for your ZIP code. Pop it in and select Get Quote.
  3. Next, it’ll ask for some basic information, such as your gender, birthday, height and weight. Just click Next when you’re ready for more.
  4. You’ll select your desired amount of coverage and term length (or indicate that you want to buy a permanent policy). It’ll ask for information about your lifestyle, like whether or not you use tobacco or skydive.
  5. Finally, you’ll enter some personal information like your name, phone number and email address. Click Finish to complete the process.

I’ve signed up. What happens next?

A Select Quote agent matches you with one of the companies it represents, based on the info you provided. They’ll give you a call to talk things through.

What types of life insurance coverage does SelectQuote offer?

SelectQuote specializes in term life insurance. Its partners offer terms ranging from 10 to 30 years, with coverage between $50,000 and $1 million.

The brokerage works with top-rated life insurance companies, including Prudential, Protective, AIG, Legal & General, Mutual of Omaha and Pacific Life.

What riders can I add to my policy?

The riders available to you depend on the insurer you ultimately go with.Some common rider options include:

  • Accidental death benefit rider. If you die unexpectedly due to a qualifying accident, an additional benefit is paid.
  • Accelerated death benefit rider. This allows you to access a portion of your death benefit if you’re diagnosed with a terminal illness.
  • Child rider. While you can’t buy a policy specifically for kids from any of the companies Select Quote represents, this common rider lets you insure a child up to a specified age.
  • Waiver-of-premium rider. If the policyholder becomes disabled for a predetermined amount of time and is unable to work, they’re off the hook from paying monthly premiums until they can return to work.

SelectQuote life insurance reviews and complaints

SelectQuote has been accredited with the Better Business Bureau (BBB) since 1996 and has an A+ rating for its customer interaction. However, customers have given it an average of 2 out of 5 stars. The BBB has recorded 14 complaints over the last three years, most of which had to do with the company’s communication.

But there are a handful of 5-star ratings from customers who applaud Select Quote’s ability to find the best policies and cheapest rates. So, service may depend on the agent you’re paired up with.

AM Best financial rating Not Rated
BBB accredited Yes
BBB rating A+
1.67/5 out of 18 customer reviews
Trustpilot score 4.3/5 out of 8,981 customer reviews
Customer reviews verified as of 26 October 2021

Compare life insurance companies like SelectQuote

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
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.
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
5, 10, 15, 20, 25 and 30 years
Compare 40+ insurers and apply online to get the lowest possible price — no medical exam required.
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.
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.

Compare up to 4 providers

How does SelectQuote protect my data?

Select Quote claims to never sell your contact information, and it won’t give your data to an insurance company unless you explicitly give permission — in writing. It’s part of the Better Business Bureau’s BBB Online Privacy Program, which means it adheres to strict policies about how it handles your personal info.

Sometimes, your details may be used to request credit, medical and driving records from a third party, but only for underwriting purposes. And Select Quote uses encryption (SSL) to encode your info as it travels across the Internet.

Frequently asked questions about Select Quote life insurance

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.

Learn more about our methodology here.

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