Life Insurance

AccuQuote Life Insurance Review

By Peter Mondrose Peter Mondrose is the Head of Insurance Content at Bankovia. He received his degree in Economics in 1998 and a second degree in Journalism in 2004 from the University of Chicago. Most recently he served as Head of Content at QuoteYeti.com, and editor at BusinessPundit.com 6 minute read

Due to the large number of life insurance firms available, it may be tough to comprehend everything.

When you utilize AccuQuote, you may save time by comparing quotes from the market’s most reputable vendors. Because their agents work for a range of insurance companies in order to sell life insurance policies, they are not required to work solely for one.

To receive a quotation, you must give your name and email address. Additionally, pushy salespeople may be cause for alarm.

Our AccuQuote Life Insurance Review delves into the company’s life insurance offerings in great depth.

AccuQuote Details

AccuQuote Life Insurance Review - AccuQuote Life Insurance Logo
  • 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
  • Medical exam and review of medical history requirement: Depends on policy and provider
  • Available states: Coverage is offered in all 50 states
  • Issue age: Not listed

Pros and Cons of AccuQuote

Pros

  • They provide multiple quotes from various life insurance providers.
  • This company utilizes only reliable life insurance service providers.
  • There is a diverse selection of plans available.
  • This website is a one-stop shop for free policy analysis and obtaining online quotes in order to find the best possible policy that fits your financial needs.

Cons

  • There will be no citations from unidentified individuals.
  • Closing sales through the use of extremely aggressive sales methods

AccuQuote Life Insurance Rates

Each of these variables has an effect on the price given to you. AccuQuote is a website that will provide you with a quote and an estimate for your spending.

A $250,000 term insurance policy will cost $54 per month for a healthy, nonsmoking 30-year-old male, while a $500,000 term insurance policy will cost $82 per month for the same man, according to the online calculator offered by AccuQuote.

How to get a Quote From AccuQuote Life Insurance

Please follow the processes mentioned below to request a quotation:

  1. If you’re just getting started, the AccuQuote website is an excellent place to begin your search for the best insurance plan for your needs.
  2. Then, select the type of insurance you require from the drop-down option, such as Term or Whole Life.
  3. To begin, click the drop-down menu and choose Let’s Go.
  4. The following information is required: your date of birth, gender, state of residence, and whether or not you smoke. Kindly select the term duration and the amount of coverage you desire. To begin, simply click the Continue button.
  5. Please ensure that you completely fill out all three text fields on this page. You may display quotations by selecting Quotes to Display from the resulting drop-down box.
  6. You’ll receive a detailed breakdown of the life insurance rates, including any applicable deductibles. You may alter the face value and length of the insurance policy using the dropdown boxes. If you’ve liked what you’ve read so far, we encourage you to continue reading.
  7. Requesting an application is as simple as filling out an online request form.

When your application has been reviewed and evaluated by a representative, an agent will contact you to discuss the next steps.

What types of life insurance coverage does AccuQuote offer?

Contrary to widespread assumption, AccuQuote does not provide its consumers with life insurance plans.

This website allows you to compare insurance quotes from a variety of reputable insurance companies.

The following are just a few instances life insurance carriers that are available through this independent agency: AIG, American National, Banner, Fidelity Life, Fidelity Investments, Guardian, MetLife, Mutual of Omaha, Pacific Life, Protective Life, Prudential, Transamerica, and Transamerica Life. There are also other life insurance companies that AccuQuote can get quotes from, making the entire process easy to find a plan.

Individuals between the ages of 18 and 85 can use the quotation engine to acquire insurance with face values ranging from $50,000 to $10 million.

These types of coverage can be located by conducting an online search using the following terms:

  • Term life insurance. Term life insurance offers predictable premiums and coverage for a certain length of time (10, 15, 20, 25, 30, or 35 years, for example), making it a popular option.
  • Your premium has been fully reimbursed to you. If you survive beyond the term of your term life insurance policy, the cash value element of the policy will reimburse you for any premiums paid.
  • This sort of life insurance is renewable for the remainder of your years on this planet. You may be able to cover all of your financial obligations in the event of your death with a single policy. As long as you continue to make your payments on time, you will be able to benefit from this coverage.
  • After investing a portion of your insurance premium, you may qualify for a loan against the cash worth of your insurance policy.
  • Every individual has the option of purchasing life insurance. This long-term care insurance coverage protects you both now and in the future. Payments are not made with a specific sum, but rather with a range of values.
  • Insurance coverage for anyone left behind in the event of your death. A second-to-die policy, sometimes referred to as second-to-die insurance, covers two people. The death benefit is given only once both policyholders have died.
  • Today’s most comprehensive no-medical-exam life insurance policy. Insurance with a simplified application process. All candidates are required to complete a health questionnaire in lieu of a physical examination. When it comes to life insurance, the maximum coverage amount is frequently $500,000, and the premiums can be rather high.
  • Guaranteed issue life insurance. Anyone aged 50 to 80 is automatically covered, and no medical examination or health assessment is required to qualify.
  • A sort of insurance is life insurance with a death payout. This insurance, which is intended to cover funeral and burial expenses, is accessible to anybody aged 50 to 80. There is no requirement for this plan to undergo a medical examination. This final expense insurance can ease the burden of passing for those that will be left with the cost of burial.
  • There are two forms of insurance: accidental death and physical harm. This coverage kicks in when an accident results in an injured policyholder incurring funeral, medical, and/or loss of limb or hearing expenses. In most countries, the bulk of AD&D insurance ends when the policyholder reaches the age of 80.

What riders can I add to my policy?

You may be able to include any of the following riders, depending on the service you select:

  • Accidental death riders are included in life insurance policies.
  • Dependents who will be compensated quickly in the case of the decedent’s death
  • Under the age of eighteen, riders are not permitted.
  • A vehicle is being created to assist individuals in coping with rising living expenditures.
  • The term “motorcycle enthusiast” refers to someone who specializes in customizing and modifying motorcycles.
  • Rider seeking to increase earnings as a result of a handicap
  • Children’s families may qualify for a tax credit or deduction.
  • A rider who is confident in the coverage provided by his or her insurance.
  • A rider provides long-term care.
  • The premium service for riders is being reintroduced.
  • Premium-based rider liability insurance

AccuQuote Life Insurance Reviews and Complaints

Since 2003, AccuQuote has maintained an A+ rating with the Better Business Bureau, indicating its dedication to superior client service and engagement.

Customers in other online forums have praised the site’s personalized service and ability to compare insurance quotes from dozens of various providers. For the most part, AccuQuote reviews are generally favorable. It seems that the agents at AccuQuote will give you honest answers to your questions in a timely manner.

On the other hand, some individuals see the broker’s sales techniques as invasive, citing things like recieving too manyn phone calls over the span of several weeks after you are no longer interested in getting a quote.

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