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SelectQuote Review

Reviews 10,209
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Reviews 10,209
Sarah Pritzker
Feb. 21, 2024
4 min read
Sarah Pritzker
SelectQuote Summary
SelectQuote is a life insurance sales agency that aims to help every individual find a life insurance policy for their situation. SelectQuote gathers your information, sends easily comparable quotes from multiple companies, and helps you through the medical examination, qualification, and confirmation process.


  • Free medical exam at your home or office
  • Excellent customer support
  • Flexible payment options


  • No live chat
  • Cannot complete process online

SelectQuote at a glance

Editorial score

Coverage type

Offers either term or whole life insurance. Term life can be be for up to 30 years.

Customization of policies

Customizable rates and deductibles, upgrades and downgrades available, decide whether to buy with an agent or buy online

Customer services and support

Multiple communication options and a dedicated agent

Online experience

Online application but no learning resources, long process

Direct insurer?

Marketplace with direct purchase available in site

SelectQuote SelectQuote Visit Site

Suitable For?

SelectQuote is ideal for anyone who wants some help through the process of buying life insurance. The support that SelectQuote offers is not just in gathering quotes, but also in helping arrange your medical examination and assisting you in comparing your options. SelectQuote is also a good choice if you want to save time shopping around for life insurance since you'll get multiple quotes with just one application process.


One standout feature offered by SelectQuote is its offer to assist you and accompany you through the application process. SelectQuote works with licensed paramedical examiners to make it quicker and easier for you to have your medical exam. It will send a medic free of charge to your home or office to carry out the checkup.

To help you make an informed choice, SelectQuote provides a full set of educational resources and insurance calculators. You can learn about the differences between whole and term life insurance, and use the calculators to explore how many years and how much life insurance coverage you need. SelectQuote also presents a stable of numerous vetted life insurance companies so that you can choose from a wide range of quotes, helping increase your chances of finding the right fit.

SelectQuote helps you make a free choice of a life insurance provider for you by enabling you to change your mind. You have up to 30 days, depending on which state you live in, to decide that you don’t want to go with this provider after all and ask for a full refund of any premiums you paid.

  • Support throughout the entire application process

  • Schedule a 30-minute medical examination in-home, at your office, or at an exam center

  • Large number of life insurance companies

  • Impressive set of educational resources and insurance calculators

  • Option to change your mind within 30 days

Application Process

SelectQuote’s application process is fully transparent. To access an initial quote, you can either call and speak to a SelectQuote agent or complete the online form. Whether you take the online or telephone route, you'll need to share your zip code, gender, age, and your height and weight. Other questions cover the approximate amount of life insurance you want, from 0-$199,000 up to over $5,000,000, and you can choose a term of 10, 15, 20, or 30 years. You’ll also be asked if you smoke, about any driving violations, dangerous leisure pursuits, pre-existing issues, and family history. All pretty standard stuff for a life insurance application.

Once you’ve shared your basic details, you’ll receive a set of quotes via email. It’s up to you to compare them and choose which company you prefer, although you’re still not committed to any policy. Once you’ve chosen a life insurance provider, SelectQuote coordinates with licensed paramedical examiners to carry out your pre-qualification checkup, which includes taking blood and urine samples. This checkup is free of charge, takes about 30 minutes, and you can choose the location—either your home or your office.

The results of your checkup are sent to you directly and shared only with the insurance company you chose. At this point, you’ll get a final price agreement from the company and start paying your premiums.

SelectQuote estimates that it takes around 4-7 weeks from the submission of your first application until your policy is up and running. One useful point to note is that if you want life insurance in a hurry without having an exam, you can choose the accelerated underwriting policy.

Policy Types and Terms

As a life insurance sales agency, SelectQuote doesn’t have much information about policy details. You can choose your life insurance term of 10, 15, 20, or 30 years and you’re also free to choose how much life insurance you want to buy, although SelectQuote agents will help guide you to understand the amount of insurance that you need. All of SelectQuote’s life insurance policies are guaranteed fixed-rate, so neither the premiums nor the amount of overall coverage can be altered by the company.

SelectQuote also makes it easy to renew your policy after the end of the initial term. You can renew it on a year by year basis, without having another medical exam, but your charges will go up after the initial term ends.

SelectQuote only helps find life insurance for adults, but it does work with many companies which offer ‘child riders’ to add child life insurance on to an adult life insurance policy.

  • Terms of 10,15, 20, or 30 years

  • Term life insurance only, but policies can be converted to whole life policies

  • All policies are renewable

  • Adult life insurance policies only

How Safe Is It?

SelectQuote guarantees that your personal and medical information is kept confidential and the privacy policy is strong and reassuring, promising not to sell information and to only share it with the company of your choice after you’ve given your authorization in writing. SelectQuote uses SSL protocol and a digital certificate from Network Solutions to encrypt all of your online information, and you can email or call to ask for access to your details so that you can review or correct anything. SelectQuote also participates in the Better Business Bureau’s Online Privacy Program and has an A+ rating from the BBB.

Help & Support

You can contact SelectQuote’s customer service via email or phone, with live agents available from 6am to 6pm PT Monday through Friday, and 7am to 4pm PT Saturday and Sunday. Policyholders can get membership support on a dedicated line from 7:30am to 6pm PT Monday through Friday. There’s no live chat.

SelectQuote at a Glance

Overall, SelectQuote is a supportive agency that provides a wide range of life insurance quotes, in-home medical exams, and useful assistance throughout the application and qualification process as well as plenty of educational resources. Although it would be even more helpful if customer service was available through live chat and a greater range of types of life insurance would be an added bonus, it is a solid and secure way to apply and qualify for life insurance.

Physical Address

SelectQuote Insurance Services

6800 W. 115th Street

Overland Park, KS 6621

Sarah Pritzker
Written by
Sarah Pritzker
Sarah Pritzker is a content writer with years of experience and a keen interest in the vast world of online consumer products. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about SelectQuote
Great • Reviews 10,209
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
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14 hours ago
Had exactly what I wanted
Had exactly what I wanted then, made an even better offer than I originally desired. Bonus!
1 day ago
Very easy
Very easy just a little long in the verification process
2 days ago
Select Quote had a prompt response to…
Select Quote had a prompt response to my inquiry, answered all my questions and had all the details. The price I paid was the exact price quoted. No surprises.
Robert Frickenstein
2 days ago
They were very helpful explaining…
They were very helpful explaining everything. They worked to find me the best option for me.
Danny C
2 days ago
Great service
Super quick and easy