SelectQuote Insurance Review 2026: Honest Insights Before You Apply
Is It Right for You in 2026?
What Is SelectQuote?
SelectQuote is a leading independent insurance brokerage that helps consumers compare and purchase life, auto, home, and Medicare insurance policies from top-rated carriers. Founded in 1985 and headquartered in Overland Park, Kansas, SelectQuote pioneered the model of providing unbiased comparisons from multiple, highly-rated insurance companies, allowing consumers to choose the policy and terms that best meet their unique needs
Company History & Background
Founded in 1985 by Charan Singh, SelectQuote began with a mission to simplify the process of purchasing term life insurance. Over the years, the company expanded its offerings to include auto, home, and Medicare insurance, becoming a trusted resource for consumers seeking comprehensive insurance solutions
Types of Insurance Offered
SelectQuote provides a range of insurance products:
- Life Insurance: Including term life, whole life, and universal life policies.
- Auto Insurance: Offering coverage from multiple highly rated auto insurance companies.
- Home Insurance: Providing options for homeowners and renters insurance.
- Medicare Insurance: Assisting with Medicare Advantage and Supplement plans
Mission & Business Model
SelectQuote’s mission is to help people protect their most valuable assets and overall financial well-being by finding the right insurance at the best price—in a matter of minutes. The company serves as a trusted resource, answering questions and sharing unbiased price comparisons from some of the country’s leading insurance companies
Quick TIp
When comparing insurance options through SelectQuote, take advantage of their licensed agents — they can help you understand differences between policies and ensure you’re not overpaying for coverage you don’t need.
Save more by comparing quotes from multiple insurance agents near you.
Easy, free and secure.
Trusted agents working with top national companies.
Pros
-
SelectQuote connects you with a variety of top-rated insurance companies, giving you more options to find the best coverage for your needs. -
You can compare policies and prices from multiple carriers at no cost, making it easier to make an informed decision.
-
Licensed agents provide guidance, answer questions, and explain policy details, so you understand exactly what you’re buying.
-
Knowledgeable professionals assist you throughout the process, ensuring you choose the right policy for your situation.
Cons
-
Some customers report frequent follow-ups from agents, which can feel pushy for those who prefer a hands-off approach. -
Select Quote's network of carriers varies by state, so some policies may not be accessible depending on your location.
-
While many users get quotes quickly, others have reported delays, especially when additional underwriting or medical exams are required.
| SelectQuote Rates | 65-Year-Old Male | 65-Year-Old Female |
|---|---|---|
| 10-year term, $500,000 | $188 | $123 |
| 15-year term, $500,000 | $255 | $166 |
| 20-year term, $500,000 | $379 | $259 |
Factors that influence life insurance premiums include:
- Age
- Overall health and medical history
- Medications and lifestyle habits
- Gender
- The insurance carrier you choose
- Desired coverage amount
Term life insurance is generally the most affordable option, but coverage periods for older adults are typically limited to 10, 15, or 20 years, depending on age. Some carriers require a medical exam to determine your premium, though SelectQuote also features no-exam options for healthy applicants under 60.
Whole life insurance through SelectQuote comes in two types: simplified issue and guaranteed issue. Simplified issue policies rely on a health questionnaire instead of a medical exam and allow coverage up to $100,000. These tend to be pricier than standard no-exam policies. Guaranteed issue policies are the most expensive, as they require no health questions or exams, and approval is guaranteed. Coverage for guaranteed issue policies is capped at $25,000.
Universal life insurance is another option, often used to supplement retirement planning. Unlike whole life, the cash value of universal life policies is linked to market performance, which carries some investment risk. These policies usually require a medical exam but provide permanent coverage at a potentially lower cost than whole life insurance.
Quick Tip
Before choosing a policy, compare both medical exam and no-exam options through SelectQuote — sometimes completing a quick exam can significantly lower your premium, especially if you’re in good health.
| Feature | SelectQuote | Policygenius | Ladder Life | Bestow |
|---|---|---|---|---|
| Number of Carriers | Partners with over 50 life insurance carriers. | Offers policies from 60+ carriers. | Yes – Supports SR-22 | Collaborates with top life insurance carriers to provide coverage. |
| Online Application | Yes | Yes | Yes | Yes |
| Medical Exam | Varies by policy; some require, others do not. | Varies by policy; some require; others do not. | No medical exam required for coverage up to $3 million; above that, a quick at-home health check may be needed. | No medical exam is required. |
| Coverage Amount | Up to $5 million. | Varies by carrier. | Up to $3 million; higher amounts may require additional steps. | Varies by carrier. |
| Customer Rating | 4.3/5 on Trustpilot. | 4.7/5 on Trustpilot | 4.8/5 on Trustpilot. | 4.4/5 on Trustpilot. |
2.7
Reviews
Anthony calleja
I had a very frustrating experience with SelectQuote. My application was denied without notice or explanation, due to an unverified medical issue. There was no chance to clarify or provide additional information. For something as critical as life insurance, this lack of communication is unacceptable. I wouldn’t rely on SelectQuote for financial protection or peace of mind.
William Mckinnon
Easy, no pressure transaction. I needed a term life policy. I spoke with two people on the phone – one for the quote and one in underwriting, then I was approved for my policy. And when I said I was going to shop around for other estimate, they did not pressure me to buy, in fact said I need to be happy and compare all my options. I ended purchasing through SelectQuote because they had the best rates and easiest process.
Lee Fultz
I was promised certain benefits when signing up, but later discovered I wasn’t receiving them. Attempts to get support went unanswered. They advertised benefits to lure me in, but it turned out to be misleading. I would not trust this company.
Frequently Asked Questions
-
How Trustworthy Is SelectQuote Insurance?
SelectQuote is a reputable and established insurance agency that has been operating since 1985. They describe themselves as a top provider of impartial insurance comparisons, connecting customers with multiple highly rated insurance companies. Essentially, SelectQuote functions as an independent insurance broker.
-
Is SelectQuote a Broker or Carrier?
-
What Types of Insurance Does SelectQuote Offer?
United States Liability Insurance Company Reviews (2026): Coverage, Claims, Cost & Real Pros/Cons
Read ReviewIntegon National Insurance Company Review: Is It Worth It in 2026?
Read Review
Compare Quotes from Top Local Agents
Explore, select, and save with agents who understand your unique needs.