How Does Select Quote Compare: SelectQuote Review

by | Company Reviews

It is hard to get a good life insurance policy without an insurance agent. By going through an agent, you can compare rates and coverage plans from different companies all at once, and you can be sure that your policy is tailored to suit your unique needs. That said, choosing the right insurance agent can be much like choosing the right provider— difficult.

You may have heard of the life insurance agency, Select Quote, from their TV or radio advertisements. In fact, Select Quote has become one of the most well-known agencies of its kind in recent years, largely thanks to its marketing efforts. However, there are both advantages and disadvantages to working with Select Quote, and by knowing what they are you’ll be better equipped to choose an insurance agency that is right for you. So, let’s take a look at the facts:

The Select Quote agency is a call center

When you first contact Select Quote, the experience can feel very personal since you’ll be able to talk with a real, human agent who asks about your individual needs regarding insurance. However, chances are you’ll never speak to this same person again after you hang up the phone. This is because Select Quote is a call center, and each of their “agents” has massive sales goals that they have to hit every week. To do this, they tend to use the typical high pressure sales pitches to get you to go through with an insurance application on your first call. In other words, their goal is strictly sales motivated, and customer service can be less than stellar.

Select Quote isn’t connected with that many insurance providers.

Whereas we are connected with over 60 different insurance companies, Select Quote only offers policies from the following 11 companies: American General, Banner Life, Genworth, Globe Life, Protective Life, Prudential, ReliaStar, Transamerica, Mutual of Omaha, and William Penn.

The problem with only offering policies from these companies is that, oftentimes, these companies alone do not provide the very best when it comes to the coverage you want. The more options you have, the better the chances are of finding the absolute lowest rates.

If you have health issues, things can get tricky.

Select Quote is just not as experienced as we are when it comes to insurance applicants who have a history of health problems, and so you could end up paying higher rates than you would elsewhere. This is largely because of the call center setup and the pressure on agents to make sales, meaning they are not as knowledgeable in underwriting for these types of policies. Furthermore, insurance agents commonly submit cover letters with their clients’ applications that give providers a better picture of someone’s health and background. Many times, this is what really helps get providers to offer the best rates possible. Select Quote unfortunately does not submit these cover letters.

Suze Orman was paid to endorse Select Quote

It is true that Suze Orman has endorsed Select Quote. However, it is also true that she was paid to do so, rather than endorsing them based on their own merit. We believe that consumers have a right to know the truth behind this kind of publicity.

Select Quote does have advantages

If you are in excellent health, Select Quote can actually help you get excellent life insurance rates. Most of the 11 companies they work with have great coverage options for those who are healthy enough to qualify. In addition to that, there’s no denying that Select Quote is fully up to date with web technology and can process insurance applications fairly quickly.

That said, we have also embraced today’s technology, and you can experience this first-hand by using our online quote form to start comparing rates today.  And with access to over 60 different insurance providers, we are a great alternative to Select Quote.

SelectQuote Review

We want to get you the best rates possible, but we also want to earn your trust before you select us as your insurance agency. When you’re ready to take the next step, please call us at 888-411-1329. We take pride in our customer service, and we are happy to answer any questions you have. You can also start comparing rates by using the quote form on this page.

Need more reviews? Check out our reviews of AARP and MetLife to see how they compare to the competition.

Michael Quinn

Michael Quinn is the founder of LifeInsuranceBlog. If you have specific questions or face challenges getting coverage. Please email or call me a call at 888-411-1329 - Either way, I'm happy to help you.

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