You've probably seen Select Quote advertising on TV or the radio. They're all over the media and have become one of the most well known life insurance businesses out there. Consumers considering contacting Select Quote should be more informed about their operation.

Select Quote Reviews from customers are all over the place.  However, there are some advantages and disadvantages when working with them.  First you should know the facts from this call center out of San Francisco.

Select Quote Facts

Select Quote Fact #1
Select Quote is a call center. Licensed agents have massive sales goals to hit and use high pressure sales techniques to get you to apply for coverage on your initial phone call. Even if you buy a policy from Select Quote, you'll never be able to contact your agent again. You are working with a call center agent, not a true independent life insurance agency whose agents make their careers around life insurance.

Select Quote Fact #2
While Select Quote claims to be independent, they only offer 11 life insurance companies:

American General
Banner Life (OpTerm products with MediGuide)
Genworth
Globe Life
Protective Life
Pruco Life
ReliaStar
Transamerica
United of Omaha
William Penn

These are the same core companies offered by the other life insurance call centers. Nothing sets them apart. The quotes you receive won't be any different from another call center.

Often times, those 11 life insurance companies can't offer the best price available on the market. A TRULY independent life insurance agency or agent will search the entire market for the most affordable policy available.

Select Quote ReviewsSelect Quote Fact #3

Many Consumers watch Suze Orman on TV and think that Select Quote is endorsed by her because she passed some sort of integrity or value test. This couldn't be farther from the truth.

Select Quote has simply paid Suze Orman enough money to endorse them. 

We have nothing against Suze Orman, we just want consumers to know the truth behind her endorsement of SelectQuote.

Advantages to Working With Select Quote

Consumers in Good Health will get competitive rates
For those with no health issues, SelectQuote's guaranteed level rates will typically be some of the best on the market. They offer 11 life insurance companies and the 11 companies they offer have great pricing for those without any health or lifestyle issues. Even though our agency offers over 60 life insurance carriers, we are typically in the same ballpark for consumers in good health.


Everything is done over the phone and quickly
They have embraced technology and have made the process easy to secure life insurance coverage and schedule an exam for the consumer. They streamlined the sales process so it doesn't take the consumer a lot of time to apply. 

Disadvantages To Working With Select Quote

Agents have to stick to a high pressure sales script
We know a few agents who have left SelectQuote and told us about their HUGE sales quotas to hit, so they had to put some pressure on you. They are trained to pump out as many applications as they can. Basically, you're a number to their bottom line.

There is no customer service from your agent.
An annual review of your life insurance policy, which is standard in the life insurance industry, isn't performed by SelectQuote. You will never hear from the agent on your policy. You can forget about calling your agent with questions because IF your agent still works for SelectQuote, they won't return your calls.

SelectQuote is very expensive for those who have any health issues.
Select Quote call center agents aren't trained in underwriting impaired risks.  Or at least not like they should be.  They simply don't have the knowledge of underwriting that they should to provide high risk life insurance shoppers with the best rates.

We replace Select Quote policies regularly simply because the Select Quote agent used the wrong company for the risk OR presented the risk incorrectly to the underwriter. Your life insurance agent is the one who will obtain the best life insurance prices, so it matters which life insurance agent or agency you choose. Don't use a call center to buy your life insurance.  (More on that below)

Our Overall Select Quote Reviews

Review of Select QuoteWe believe consumers deserve much better than Select Quote Insurance Services and that's why we wrote this review (we couldn't find detailed feedback online). 

We know that they're accredited by the BBB and have an A+ rating, but you can pay the BBB to remove complaints so I'm a skeptic of that.. The reviews from their company website can't be verified or trusted since we know their hand selected to make them look great.

Obtaining the most competitive rate on your term life insurance policy is about using the RIGHT life insurance company for YOUR unique risk. Your independent life insurance agent should be knowledgeable and have access to ALL the top rated carriers on the market. Unfortunately, SelectQuote falls short here.

A life insurance agent's main duty is to present your application in the most favorable light to the underwriter with the information that's provided. It's common in our industry for an agent to submit a "cover letter" with your application painting the overall picture of your health and background to the underwriter. This presentation is critical when obtaining the most favorable rate possible.   SelectQuote DOES NOT even submit a cover letter. 

We are assuming it just takes too much time and hurts the bottom line.  This is a huge disadvantage to SelectQuote clients.  If you're applying for a 30 year term, preferred non-tobacco, million dollar policy - wouldn't you want your agent to take the extra time to make sure you receive the quoted rates you're applying for?

At this point it's clear that we don't have a very high opinion of SelectQuote and that's because we've spoken with so many consumers who have conveyed awful experiences with them. I would assume it's the same for their auto, medicare supplement and senior services departments as well (although we've never received a direct complaint).

As an alternative to SelectQuote, let Rootfin earn your life insurance business.

We believe in working on behalf of our clients, not the 11 life insurance companies SelectQuote uses. Whoever will offer you the best options out of the 60+life insurance companies we offer is who we'll recommend.  You're committing to protecting your family and paying the life insurance premiums and we'll commit to securing the best rates available.

If you have a current SelectQuote policy that was issued up to 3 years ago, we can save you money on those premium payments you're making.

We also believe in being there for our clients. When you need to make changes to your life insurance policy or when you have questions, you'll be able to get the SAME agent you spoke with who guided you through the process.

Like SelectQuote, we have the technology in place to make this process as smooth and as quick as possible.

Our goal is to earn your trust before we earn your business. Give us a call or fill out our quote request form and we'll contact you.  We'll truly shop the market for the best rates.

Instant Quote

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About Jeff Root

is the owner of rootfin.com. He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

View all posts by Jeff Root

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