An extensive advertising budget that generates sales leads and creates brand recognition helps Accuquote.com sell thousands of policies yearly.
Are you wondering if Accuquote is the best choice for your life insurance needs?
AccuQuote is a reputable agency that provides unbiased price comparisons from several quality life insurance companies.
But before you jump to any quick decisions, we encourage you to read our Accuquote Review!
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About the AccuQuote Insurance Agency
In 1986, Accuquote was started by Byron Udell so that those needing life insurance could find the best coverage for their needs.
Just eight years after opening its doors, Accuquote rose to the top of the life insurance leaderboard and began offering free no-obligation online quotes to consumers.
Accuquote.com is also an independent life insurance agency licensed nationally.
AccuQuote reviews the prices of several insurance companies, which is better than working with a captive agent who only represents one primary insurance company.
Fast forward to now, and the company owned by Byron Udell & Associates, Inc. has helped consumers receive over $50 billion in life insurance coverage.
Types of AccuQuote Life Insurance Policies
Before choosing any life insurance agency, you should ensure AccuQuote reviews your life insurance needs.
You need to know your specific coverage needs before determining which product is the right choice for you.
Here are two essential questions that you should ask yourself before choosing the type of life insurance coverage you need:
- Are you covering a specific need such as mortgage protection, income replacement, or only for final expenses?
- Do you need coverage for a certain number of years, or do you need coverage for the rest of your life?
Once you have answered these questions, you can better decide which insurance policy is best suited for your family.
AccuQuote offers multiple types of life insurance policies to fit various needs.
- Term life insurance – Term insurance has a set price for a specific amount of time, typically 10, 20, or 30 years. Once the specified time expires and the policy is still alive, you can renew at a higher cost.
- Universal life insurance – Universal life is permanent coverage that does not expire after a set time. Policyholders can change their premiums and death benefits throughout the policy’s life.
- Whole life insurance – Whole life has fixed premiums, guaranteed death benefits, and cash value.
- No medical exam insurance – Unlike traditional life insurance, you don’t have to take a medical exam to qualify. However, premiums are usually more costly with no-exam life insurance.
- Final expense insurance – Another type of permanent life insurance is final expense coverage. Except, the policy is much smaller than other forms.
- Guaranteed issue life insurance – This permanent life insurance option is designed to cover costs associated with the policyholder’s funeral.
- Survivorship/Second-to-life insurance – Covering two policyholders, typically a married couple, a Survivorship policy pays the death benefit after the passing of the second policyholder.
- Child life insurance – This type of permanent life insurance covers your child’s life. It offers financial protection, such as funeral costs or outstanding medical bills, for the unexpected death of your child.
- Accidental death insurance – If the policyholder dies from accidental death and not from health or medical issues, the death benefit gets paid out to the beneficiary.
AccuQuote Advantages
AccuQuote AdvantagesFinding a reliable and trustworthy agency to purchase life insurance from can be time-consuming and overwhelming process.
AccuQuote is an independent broker, meaning AccuQuote representatives can recommend the best carrier for the insured, not just one company like many captive agents.
An independent agent will have access to various policies from different companies, which gives them a wide variety of options tailored specifically to what you are looking for in a life insurance plan at an affordable cost.
Accuquote Life insurance companies
- AIG
- American National
- Banner
- Fidelity Life
- Gerber Life
- Globe Life
- Guardian
- Lincoln Financial
- MetLife
- Mutual of Omaha
- Pacific Life
- Protective Life
- Prudential
- Sagicor Life
- Transamerica
Also, many life insurance shoppers like to speak with an actual representative at AccuQuote and not just a bot on the computer.
This is because representatives can accurately suggest life insurance carriers based on your medical history and other information you provide the representative that a quote created from your computer may not do.
The Disadvantages – AccuQuote Sales Style
Alternatively, if you want to build a relationship and not feel rushed into making a decision, speaking with an Accuquote representative may not be the best fit for you.
AccuQuote.com has a substantial overhead when compared to a smaller independent agency. They have to pay salaries to over a hundred agents and countless employees.
Plus, most agents working in call centers such as Termfinder, SelectQuote, and AIG Direct only focus on making new sales.
Most AccuQuote agents will try hard to sell you a policy on the first call.
Agents will attempt to close sales by providing you with the following:
- The average monthly life insurance cost for your new policy
- Selecting the best insurance plan and face amount
- Completing an application on the telephone
- Setting you up with a physical exam
So, if you are ready to buy, you will be able to get protection fast as your rep is trained to close the deal quickly.
However, after calling the Accuquote phone number to speak with a rep, you may find you are not ready to make a final decision on life insurance yet, and that’s okay.
A second option is essential because life insurance is a long-term commitment, and making a hasty decision can be costly.
Do You Need Cheap Life Insurance Quotes?
We are independent with a comprehensive portfolio of life insurance products network of many of America’s top-rated life insurance companies.
Our dedicated financial professionals will answer all your questions and help you find accurate quotes that match your financial needs and medical history.
You can even find free estimates of your cost for life insurance without talking with an agent by using our life insurance calculator.
Our instant-term life insurance quotes are available without filling out any detailed personal information.
This allows you to choose affordable insurance quotes from hundreds of plans and companies with no sales pressure!
Accuquote Reviews – Customer Testimonials
Accuquote Reviews – Customer TestimonialsWhen shopping around, especially for life insurance policies, it’s without a doubt, you’re going to look at customer reviews. And there are many favorable Accuquote life insurance reviews.
Many customers talk about how excellent their customer service is and that they seem too good to be true.
Other current customers mention how easy it was for them to switch to Accuquote and, again, just how amazing the staff is throughout the entire process.
Like most companies, there are a few negative reviews on the Better Business Bureau’s (BBB) website, but there are no official complaints.
AccuQuote Customer Service
AccuQuote Customer ServiceAlong with life insurance policies, AccuQuote offers a few other advantageous services. This includes:
- Policy reviews – After every year or major life event, such as getting married, buying a house, or having children, reviewing your policy to ensure coverage matches your current lifestyle is a good idea. Accuquote offers policy reviews free of charge.
- Term conversion – If you want to switch from term life insurance to a permanent policy, you can do so with a term conversion. Usually, with no medical exam and a low price.
- Life insurance needs assessment – If you are unsure of the amount or type of coverage you need, then a needs assessment is a great way to figure this out.
Trending Life Insurance Reviews
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Affordable Life USA is dedicated to providing comprehensive life insurance solutions to families and business owners throughout the United States.
For over thirty years, our agency has provided a platform for comparing hundreds of life insurance policies without the stress of high-pressure sales tactics.
Our experienced team of financial planners has helped thousands of clients obtain affordable coverage through our efficient online application process.
Our founder, Eric Van Haaften, expanded our consumer-centric sales model nationally by leveraging the influence of renowned publications such as Time, Newsweek, and The Wall Street Journal.
Eric acquired his love for quantitative analysis while getting his business degree from Ferris State University, which provided a solid foundation for his analytical approach to financial planning.
Eric Van Haaften, LUTCF
1-877-249-1358
