Accuquote Life Insurance Company Review | 2025 Rates, Pros, & Cons

How Has COVID-19 Affected Accuquote?

At Accuquote, we know that the last year has created unprecedented changes, many of which we did not expect. With lockdowns implemented to slow the spread of the Coronavirus, many people have experienced a loss of income. 

That is why we are offering grace periods and catch-up periods for payments on our products. For more information on these implementations and to see if you qualify, you can read this announcement.

New Products or Changes

With the COVID-19 pandemic, the need for life insurance and disability insurance has changed, and with this increased demand has come a change in our plans. At Accuquote, we are always looking for new products to offer and combine life insurance with long-term care and critical illness insurance. 

For more information on our products and services, you can visit our products page.

Accuquote In The News

For a deep dive into life insurance policies, pricing, and who will benefit from your life insurance policy, you can read this New York Times article.

To look into the impact of the COVID-19 vaccine on your life insurance policy and eligibility, you can read this article.

2021 Latest Accuquote Reviews 200

Reviews can make or break a business. Here is a look at what our customers and significant publications have said about us over the past year:

Customer Reviews

Over the last year, our customers have noted our agents’ and managers’ customer service skills. Our agents take the time to go through their clients’ different policy options and explain the price breakdown for each product and service that we offer.  

Our agents go the extra mile to ensure that our clients are appropriately informed and educated on our policies to make an informed decision before purchasing.

Our agents work hard to stay in touch with our clients to ensure that they are kept up-to-date on their application or any policy changes that may come up. Keeping our clients informed ensures that they are playing an active part in acquiring their new policy.

In The Media

Forbes has named us the best insurance company on the web three years in a row. This is due to our commitment to helping all of our customers and ensuring that our customers are getting fair rates for their policies, regardless of any pre-existing conditions.

The Wall Street Journal applauds our system as easy to use and shows appreciation for our rate calculator, which helps you calculate your estimate without needing to speak with an agent.

In general, my opinion of Accuquote, the online life insurance agency, is very high…but having known several agents that have worked there, my Accuquote review won’t be entirely positive.

Founded by Byron Udell in 1994, Accuquote is a pioneer in the term life insurance industry.

Accuquote was one of the first companies to offer quick, free online term life insurance comparisons.

Their president and CEO has been quoted in multiple insurance publications and many of his employees agree that he is passionate about helping people with their life insurance needs and a great employer.

Quick Guide: Accuquote Life Insurance Reviews

• Accuquote Advantages
• Accuquote Disadvantages – Sales Style & Follow Up
• Accuquote Prices
• Employee Reviews
• Customer Testimonials
• Accuquote Services
• Accuquote Term Life Cost Comparison

I. Accuquote Advantages

Accuquote is an independent agency that employs hundreds of licensed life insurance representatives.

There are many advantages to using a large agency like Accuquote, but by far the most significant is the fact that they can choose the company that is most likely to offer you the best price.

Sometimes when you run a term life insurance comparison, the most suitable company for you is not always the company that shows up as #1 on the price list.

If you have any medical conditions, family history of disease, a poor driving record or any other risk that would affect your mortality, each life insurance company will treat those factors differently.

Accuquote’s representatives are well equipped to help individuals find the best life insurance policy for them.

RELATED: 5 Critical Tips You Must Know Before Buying Life Insurance

Another advantage you should be aware of is the exceptional training their life insurance agents receive when hired.

I’ve been in the industry for 7 years and can tell you that there really are a lot of ins and outs you’ve got to know about to provide quality service for your clients in order to steer them away from danger.

This might come in the form of recommending a different carrier because you have diabetes, and this company will treat you more favorably or it could come in the form of your agent explaining the benefits of backdating a policy to save age (and money).

II. The Disadvantages – Accuquote Sales Style

Really the only negative feedback I have found in my Accuquote Reviews has to do with their sales tactics.

I’ve personally known many agents who work or have worked there and they all tell me that while the work environment is casual and supportive, make no mistake, the agents are there to sell, sell, sell.

I have no problem with a business trying to be profitable and salespeople trying to sell, but I do have a problem when I feel the consumer is disserviced in the process.

RELATED: Check Sample Life Insurance Rates by Age (No Personal Info Required)

When I hear Accuquote agents speaking about the pressure to make as many sales as possible, that tells me that they don’t spend the necessary amount of time with the client explaining the difference between term and whole life insurance and helping them determine how much coverage they need.

Instead, they have an internal clock in their head reminding them to close the sale as quickly as possible and move on to the next!

This sales first attitude affects the relationship with your agent after the sale. Do you really expect to ever speak to your Accuquote agent again after they sell you a life insurance policy?

Forget about it. They’re on to the next deal and have a minimum production level to meet every month.

This is not to say you won’t get an annual review, because one of the differences with Accuquote Reviews that I like, compared to the other big agencies, is they do have a customer service department that offers annual reviews.

Just don’t expect that call to come from the original agent who sold you the policy.

The bottom line is I really do like and respect Accuquote com as a whole.  They are in no way a scam, as some websites report…but I do believe that you will only obtain superior quality service through an independent agent like myself, who works for a smaller agency.

At Huntley Wealth we have time to review your case. In contrast to Accuquote, we also keep in touch with all our clients, so you also get great service after the sale as well.

III. Accuquote Prices

Some people may think it’s a scam to purchase life insurance online, but it’s really the way to go. (For more information, read our “How To Sell More Insurance Online“).

The companies that life insurance Accuquote com represents are solid, reputable companies such as MetLife and Prudential.

A simple Google search for “product reviews Accuquote” will give you the entire list of carriers they offer.

You are almost always going to save money purchasing term life insurance through an online agency over going to your local State Farm or Farmers agent. Their life insurance products are a rip off!

As for Accuquote’s pricing compared to other online agencies, there actually is no difference, since life insurance premiums are standardized across the industry.

So whether you buy a policy through Select Quote, Intelliquote or my agency, all of us will have the same quote for a 20-year term policy through MetLife, for example. The difference presents itself in sales and service.

IV. Accuquote Reviews – Employee

A few employees have provided Accuquote Life Insurance reviews at Jobitorial:

“This has been a great place to work. The people who excel at their jobs are rewarded, and the people who can’t get the job done (despite training and lots of opportunities) are let go. That’s how it should be! This formula has made it possible for those of us that do a good job to have jobs here and remain profitable during the bad economy this year. The CEO is very visible and approachable.”

***

“This has been a great experience, at least for me. I get to spend my time doing what I enjoy…SELLING! The company treats people fairly. If you perform, you are rewarded. The work environment is casual and the owner is very passionate about what we do here.”

However, it appears to be very difficult to become an employee at Accuquote, as one interviewee reported to Jobitorial:

“There seems to be confusion between HR and the hiring department. Questions about relocation, remote work, salary, etc were always answered with “it depends.” I had 2 rounds of phone interviews with the recruiter, and was asked the same basic questions about my background, salary requirements, and career goals both calls. For my writing test, there were no specific details provided about the assignment… and questions weren’t answered with anything other than “we want to give you a blank slate to write whatever you want.” However, I was later critiqued for not writing for the correct target audience… even though that information or requirement wasn’t provided even though I specifically requested it.

During the phone panel interview, 3 people were on the call… but only one asked questions. While the questions were relevant to the position, it wasn’t an open or comfortable dialog. It felt a little more like an interrogation with people watching behind a two-way mirror.”

V. Accuquote Reviews – Customer Testimonials

The company also provides customer testimonials.  Below I’ve listed a few of them.

“Great people, very friendly. It is so good, that I thought they were too good to be true! Excellent job, we need service like this every place.”

***

“Wow…you deliver! Great customer service, follow-through and results! I will spread the word to reward you for a flawless process that will prove to be mutually rewarding for years to come!”

***

“Excellent service and an outstanding experience! Great customer service in all respects. It made my transition from switching from my old insurance company to West Coast Life a smooth and easy one. I highly recommend life insurance AccuQuote to all my family and friends!”

***

“We chose AccuQuote based on reviews from Money magazine. The online quoting went smoothly and we were pleasantly surprised by the relatively low cost to increase our insurance coverage by a factor of four. The follow up with AQ staff was very helpful and every step since then has been smooth. AQ made it very easy from my wife and I to get the coverage we need to protect the security of our family. Thanks to the entire staff!”

VI. AccuQuote Services

Overall, they are an experienced, top-notch agency and I would recommend them to anyone. My only concern is with the level of service given to their existing clients, as many websites, as well as agents I personally know, have attested to the fact that their ongoing service is not top-notch.

One thing that makes Accuquote com unique, is they are much more than a life insurance agency. They also offer financial services, disability insurance, and long-term care insurance.

VII. Accuquote Term Life Cost Comparison

If you’d like to compare quotes received at Accuquote to what my independent agency can provide, please use our instant term life quote form on the right or call us at 888-603-2876.

Take any other Accuquote life insurance reviews you see online with a grain of salt, as they’re mostly written by consumers who have no idea what they’re talking about.