AccuQuote Life Insurance Review

It might be confusing to comprehend because there are so many life insurance companies to select from. AccuQuote will save you time by comparing the offers of the industry’s most reputable vendors. Due to the fact that their agents work for a range of insurance companies, they are not bound to any one of them in particular. To obtain a quotation, you must give your name and email address. Additionally, pushy salespeople may be a concern. AccuQuote’s life insurance offerings are detailed in our AccuQuote Life Insurance Review.

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 required. Depends on policy and provider
  • Available states. Coverage is offered in all 50 states
  • Issue age. Not listed

Pros and Cons of AccuQuote

Pros

  • A few carefully chosen quotations
  • Utilizes only trustworthy providers of transportation services
  • A diverse selection of items
  • A comprehensive internet resource that provides free policy analyses.

Cons

  • There will be no citations from unidentified individuals.
  • Using excessively pushy tactics to close sales

AccuQuote life insurance rates

Each of these elements affects the price given to you. To obtain a price and an estimate of charges, visit the AccuQuote website.

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

How to get a quote from AccuQuote life insurance

To obtain a quote, follow these steps:

  1. The AccuQuote website is an excellent place to begin your research.
  2. Then, from the drop-down option, select the type of insurance you require, such as Term.
  3. To begin, click Let’s Go.
  4. The following information is required: your date of birth, gender, state of residence, and whether or not you smoke. Indicate the duration of the term and the level of coverage you desire. To proceed, click the Continue button.
  5. It is critical that you complete all three text fields on this page accurately. By selecting Quotes to Display from the drop-down box, you may display quotes.
  6. You’ll receive a detailed breakdown of prices, including any applicable deductibles. Change the face value and length of the insurance using the dropdown boxes. Continue reading if you like what you’ve read thus far.
  7. Requesting an application is as simple as filling out a form.

What happens next?

Following the evaluation of your application by a representative, you will be contacted to discuss the next steps.

What types of life insurance coverage does AccuQuote offer?

Contrary to widespread assumption, AccuQuote does not offer life insurance. This website compares rates from a variety of well rated insurance companies. To mention a few, these companies are AIG, American National, Banner, Fidelity Life, Guardian, MetLife, Mutual of Omaha, Pacific Life, Protective Life, Prudential, and Transamerica.

The quotation engine offers insurance with face values ranging from $50,000 to $10 million to individuals aged 18 to 85.

These types of coverage can be located using the following search terms:

  • Term life insurance. Term life insurance offers predictable premiums and coverage for a specified length of time (10, 15, 20, 25, 30, or 35 years, for example), which makes it an appealing alternative.
  • You have been reimbursed the premium. If you survive beyond the term of your term life insurance policy, the cash value part of the policy will reimburse you for your premium payments.
  • Life insurance coverage that is renewable for the remainder of your years. Coverage for all of your financial obligations in the event of your death with a single policy. As long as you remain current on your payments, you may continue to use this coverage. You may be able to obtain a loan against the cash worth of your insurance policy after investing a portion of your premium.
  • Everyone has access to life insurance. This long-term care insurance coverage safeguards you both now and in the future. Payments are not fixed at a specific amount, but rather vary according to a range of values.
  • Insurance coverage for those who survive you. This policy, frequently referred to as second-to-die insurance, covers two individuals. The death benefit is given out after both policyholders have died.
  • The greatest no-medical-exam life insurance policy available
  • Simplified issue insurance. All candidates must complete a health questionnaire in place of a physical examination. The maximum amount of coverage is frequently $500,000, and the premiums can be rather hefty.
  • Guaranteed issue life insurance. Individuals between the ages of 50 and 80 are automatically covered without having to have a medical examination or complete a health assessment.
  • Insurance on life with a death benefit. Anyone aged 50 to 80 years old can get this insurance, which is intended to cover funeral and burial expenses. There is no requirement for a medical examination.
  • Accidental death and physical harm insurance. If a policyholder is injured in an accident and incurs funeral, medical, or loss of limb or hearing expenses, this coverage kicks in. In most countries, most AD&D plans expire when the policyholder reaches the age of 80.

What riders can I add to my policy?

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

  • Accidental death rider for life insurance policies
  • Passenger who will be compensated expeditiously upon death
  • Rider under the age of 18
  • A vehicle to assist individuals in coping with rising living expenditures
  • A motorcycle enthusiast who specializes in modifying motorcycles
  • Rider for the purpose of generating more income due to a handicap
  • Families with children are eligible for a tax benefit.
  • A rider who can be certain of insurance
  • Rider for long-term care
  • The premium service for riders is being reintroduced.
  • Premium rider waiver

AccuQuote life insurance reviews and complaints

Since 2003, AccuQuote has earned an A+ rating with the Better Business Bureau for client service and engagement. Customers have praised the site’s customized service and ability to compare insurance quotes from dozens of various insurers in other online forums. On the other side, some individuals find the broker’s sales practices invasive.

Visit our review of AARP Life Insurance Review for one more insurance review.

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