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Select Quote life insurance review 2020

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It does the heavy lifting to connect you with coverage.'s rating: 4 / 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


Free quote Online, Phone
Monthly cost Depends on policy and provider
Policies Term
Coverage maximum $5,000,000+
Term lengths 10, 15, 20, 25, or 30 years
Riders Accelerated death benefit rider, Accidental death benefit rider, Child rider, Waiver-of-premium rider
Medical exam required Depends on policy and provider
Available states SelectQuote does not sell Life Insurance in South Dakota
Issue age Not listed

Expert review

Amy Stoltenberg

Review by

Amy Stoltenberg writes about lifestyle and money for Finder, researching the best options for shopping, banking, insurance and authentic travel experiences. After studying writing and fashion at Savannah College of Art and Design, she worked designing apparel at a corporate behemoth before opting for a career with unlimited travel time. When her laptop’s closed, she can be found wandering the streets looking for happy hour and hole-in-the-wall eateries.

Expert review

Simply put, Select Quote’s services match you with relevant coverage. So if you’re overwhelmed with the search process, it can lend a hand.

But if you’d rather buy directly from a provider or want to take the reins on your own hunt for coverage, be sure to compare quotes to find the best deal.

What type of life insurance does SelectQuote offer?

Select Quote sells a wide array of products, since it works with different companies. But it specializes in term life insurance.

  • Term life insurance. The death benefit is guaranteed for the length of the term, the monthly premiums are cheaper than for permanent life insurance. But there’s no investment component, so your payments don’t build cash value.

What riders can I add to my life insurance policy?

The riders available to you depend on what each specific insurance company offers, so check with your SelectQuote agent about possibilities.

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 kicks in if you’re diagnosed with a terminal illness, allowing you to take some or all of the benefit early.
  • 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.

How much does SelectQuote cost?

Since Select Quote sources life insurance from a pool of 12 different providers, the cost varies from case to case. But 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. One review states SelectQuote can get your life insurance for less than a dollar per day.

Compare life insurance rates

Compare quotes for life insurance policies starting at $15/month.

Pros and cons of SelectQuote

It’s a solid choice for finding good rates, but may not be for everyone. Benefits and drawbacks include:


  • Its services are free. You pay nothing directly to Select Quote — it relies on commission fees from the providers. And Select Quote claims to be pressure-free along the way.
  • Could save you time and energy. If you don’t want to devote time to searching for the best rate, or find it difficult to advocate for your pre-existing condition, Select Quote could help ease that burden by leveraging its expertise and doing the grunt work for you.
  • Only works with A-rated companies. It only works with insurance companies that have been deemed A- to A+ by AM Best, a rating agency that scores providers based on financial strength.


  • It doesn’t sell insurance. If you’re hoping for a company to directly service your needs, you may want to go right to the source instead of through a third party.
  • Its pool of options is relatively small. Select Quote is limited to the 12 insurance companies it partners with, which is a relatively small slice of what’s out there.
  • To get a quote, you’ll need to talk on the phone. Some agencies show you a quote and let you start a policy through just a series of clicks. But with Select Quote, you’ll need to connect with an agent over the phone to move the process forward.

Compare life insurance companies like SelectQuote

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

Select Quote reviews and complaints

It has an A+ rating from the BBB and has been accredited since 1996. However, customers have given it an average of 2 out of 5 stars. Most of the complaints seem to be hang ups in the communication process — people feeling misled or forgotten about. Select Quote has replied to some of these comments with an apology.

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 competency of the agent you’re paired up with.

How does Select Quote 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.

How do I sign up?

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.

Select Quote insurance application

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.

More about Select Quote

Select Quote has sold over $500 billion in life insurance coverage since it was founded in 1985. It claims to lobby on behalf of consumers to help them buy the best policy, and only shops fully vetted, trustworthy providers. It’s headquartered in Overland Park, Kansas, and sells senior insurance as well as home and auto, and medicare.

Frequently asked questions

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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