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SelectQuote Review
SelectQuote Review
September 21, 2022 / staff
SelectQuote Review
September 21, 2022 / staff
Quick quote generation via email or phone
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SelectQuote is a United States-based insurance agency operating with 37 years’ experience. It will review your insurance needs, compare them against coverage and rates offered by trusted insurance partners, and offer you a quote, with just a quick call. Get term life insurance for between 10 and 30 years and up to $5,000,000 in coverage.


  • Compare several insurance policies by filling out just one form
  • Quick quote generation process via email or phone
  • Reputable insurance partners


  • Application approval can take up to seven weeks

Suitable For?

SelectQuote insurance services are suitable for individuals looking for competitive insurance coverage, those looking to convert a term policy to life without another medical examination, and clients seeking a good deal on their insurance.

It is also the go-to agency if you wish to be insured fast or want whole life policies that accumulate cash value—which you can borrow against.

If you’re looking for high-coverage amounts up to $5,000,000, or you’re a healthy individual looking for insurance coverage, SelectQuote is for you. It is also ideal for younger individuals looking for affordable coverage and those looking for a partner with nationwide coverage.


SelectQuote compares your insurance needs with the rates and coverage of its numerous insurance partners before issuing you a single quote.However, you will only receive a detailed quote after speaking with a licensed sales agent on the phone.

Term life is an affordable version of insurance offered. It provides temporary coverage for the agreed period (or “term”) and converts to a death benefit should you pass away during the term of the cover. You can be insured for terms of 10,15, 20, or 30 years with amounts from $5,000 to over $5,000,000.

Whole life insurance, on the other hand, provides permanent coverage. These policies will also accumulate cash value against which you can borrow to offset living expenses.

You can also obtain final expense insurance, which has both whole life and death benefits. As a senior you can use a final expense insurance policy to cover funeral expenses and any outstanding debts, so as not to leave your family with a financial burden.

SelectQuote earns money by charging the insurance company a commission for selling you a policy—at no cost to you.

Policy Types and Terms available

Term life insurance quotes range from 10 to 30 years with coverage ranging between $5,000 and $5,000,000. The coverage amount will depend on your health, age, and lifestyle. Many term life policies will require a medical examination. However, they are convertible into a whole life policy or renewable for another term without you having to undergo an additional medical exam.

Whole life insurance policies are permanent and cover you for life. The cash value may be borrowed against, tax-free, or withdrawn early under certain circumstances.

Riders are additional insurance options or benefits that enhance available life insurance policies, including extending coverage to your children or accessing your funds early. SelectQuote riders vary based on the insurance partner and coverage option—your SelectQuote licensed sales agent will help you to make a choice.

Application Process

Anyone can ask for a free insurance policy quote from SelectQuote.

How it works:

  • Visit the website and select a quote or call a licensed sales agent from the number displayed.
  • Answer questions relating to gender, date of birth, height and weight, ZIP code, and state.
  • You’ll be asked whether you have insurance already, and how much coverage you're looking for, as well as your preferred duration.
  • Questions also include whether you smoke, have been treated for alcohol or substance abuse, or have any other health conditions. You’ll also be asked whether you have any family members who have had heart disease before they are 65.
  • You will also be asked whether you have any traffic violations, and whether you engage in extreme sports like bungee jumping.
  • When you’ve completed the questions, provide your name and email address.
  • Once you receive your quote in the mail you will need to speak with a licensed sales agent for a final quote to be prepared.
  • You will then undergo a check-up with medical personnel chosen and paid for by the insurance carrier.
  • Finally, you will receive a policy offer from the selected insurance carrier.

The application process is very easy and only needs to be done once per policy. Application approval takes between 5 and 7 weeks.

How safe is it?

SelectQuote is a reputable company with an advisory board. It is licensed to operate in 49 states and has been in business since 1985. It is listed on the New York Securities Exchange (NYSE) and releases regular financial performance and corporate governance reports as a listed and regulated company. SelectQuote represents over 50 reputable insurance companies, including AIG, Prudential, and Protective Insurance.

When you apply for a life insurance quote, the company will check your credit report. However, this will be a “soft pull” inquiry, which won’t affect your credit score.

SelectQuote gives you a 10-day free look period. This means if you’re dissatisfied with your policy you can cancel and receive a full refund of your premium without any penalties.

Help and Support

The SelectQuote customer service team is available by phone and email, Monday to Friday from 8am to 8pm CT and on Saturday from 9am to 2pm CT.

SelectQuote’s website also provides educational materials and FAQs about its services and how to obtain a quote. It even has an insurance calculator to help you determine how much insurance you need.

You can lodge a claim upon maturity of your policy with the insurance partner that issued it. To do this, complete a policy discharge form, enclosing the required documentation, and submit it a few weeks before the policy matures. Payment will be made to your indicated account. In the case of death of the policy owner, the named beneficiary makes the claim by submitting a certified copy of the death certificate. The law in many states allows insurance carriers up to 30 days to review a death claim, then decide to honor, deny, or query it.

SelectQuote at a Glance

SelectQuote is licensed to provide insurance agency business in all US states, except South Dakota. The NYSE-listed company is a market leader in its field with 2 million policyholders served in partnership with over 50 highly respected insurance carriers, such as Prudential and Protective Insurance.

SelectQuote has more than 35 years of experience in protecting consumers, with over 1,000 licensed sales agents.

Physical Address

SelectQuote has its headquarters at 6800 West 115th Street, Suite 2511 Overland Park, Kansas, 66211, United States.


SelectQuote is not an insurance company but partners with different insurance companies to offer life insurance. The policy that you purchase is carried by the respective insurance company which has provided it. SelectQuote only offers quotes for term and whole life insurance.

Get started now, visit SelectQuote
By staff staff is comprised of freelance writers who write for the site
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