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If you are like me, then you think that getting the best price on life insurance could be a hassle. But with Select Quote Online Life Insurance, this process has been made easier!

selectquote.comWith the many companies that are fighting to get your business, getting competitive rates is simple.

It might take you weeks looking to get the best insurance plan to meet your needs since there are so many life insurance carriers in the country. Every insurance company is different, so your quotes from them could vary greatly.

Select Quote is a great way to get the best Term Life Insurance rates. Select Quote is an independent agency, meaning that they offer coverage from an array of different life insurance companies. This allows a select quote agent to match you with the insurance company that will offer you the best rating.

Using Select Quote

I will take you step-by-step of how easy Select Quote is to use. When you go to the select Quote website you can access the free quote system by clicking the “Get Your Free Quote” button on the right side of the page.

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Once you click this button you will be taken to a page where you will enter your zip code to start the process of obtaining your free quotes.


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Step 1

The first step in receiving your free quote is to fill out some specific information about yourself. This will include, your gender, birthdate, height, and weight.


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Step 2

The second step is about your current life insurance policy, if you have one!

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Step 3

Step three asks what amount of coverage you are looking for, and what duration, which could be 10, 15, 20 or 30-year terms.

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Step 4

Next, you will be asked about your tobacco or nicotine usage.

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Step 5

In this next step, you will be asked about your driving history.


Step 6

If you engage in any “high-risk” sports or activities, they will want to know about that as well!

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Step 7

Within this next step, you will be asked aobut your personal health history.

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Step 8

Now, you will be asked about your families health history.


Step 9 – Final Step!

In this final step, you will be asked to enter in your contact information, once that is complete, you will receive an email with the details of your application. They will pair you with a representative who will find the best policies to meet your needs and will be in contact with you within 24 hours! It is that easy!

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Getting Affordable Life Insurance Coverage

When you’re shopping for life insurance coverage, there are several ways to try and get the lowest premiums available. Making a few simple changes can save you hundreds of dollars on your insurance coverage every month. We’ve already talked about using Select Quote to compare dozens of rates, but that’s not the only thing that you can do.

Tip number one is to cut out tobacco usage. If you’re wanting to search for affordable coverage you need to stop tobacco use at least a year in advance of applying for a policy. The risk you are to the carrier as a user is higher than those who stay away from cigarettes which shows us why you might be charged double when your quotes come back!

Tip two is about taking care of your body. The medical exam you’ll go through will include several measurements to help the carrier better understand how risky you will be to insure. Ways to improve your health are to stick to a healthy diet and start getting regular exercise. Combined these tips will give you a head start on finding affordable premiums for your ideal plan.

Complaints Against Select Quote

After my own experience with Select Quote, I decided to see what other people had to save about the agency. One of the best ways to get an idea about a company is to look at other customers.

Before you see what other people had to say, remember, take these with a grain of salt. Everyone’s experience is different.  

It didn’t take long to find some negative reviews (people are quick to complain about insurance agents and carriers).

When combing through the reviews and complaints, I saw a lot of them discussing the customer service of the agents. Some people said the agent they talked to was rude.

Who knows, there are a lot of different reasons they could have gotten a rude agent. Maybe that agent doesn’t work at Select Quote anymore, but you should be aware of the possibility.

Another common complaint is about the sales tactics of the agents. A lot of customers felt they were trying to sell them additional coverage and plans they didn’t want.

This is a common technique for ALL salespeople, regardless of what they are selling. Who knows if this was a case-by-case scenario or something which is encouraged by Select Quote.

How Much Life Insurance Should You Buy?

One of the most notable factors that is going to impact your premiums is how large of a plan that you’re going to buy. The larger plan that you buy, the more that you’re going to pay every month. It’s important that you decide how much life insurance you need before you apply for a plan. There are several different categories that you’ll need to calculate to ensure that you’re getting enough coverage for your family.

After an insured passes away there are always left over debts that need to be paid, and major expenses that have to be taken care of. To know how much to buy start by tallying those numbers together.  Your total should be the minimum amount of life insurance you purchase.

If you have it in your budget we will suggest that you put a few years of annual salary in the face value of your plan as well. After your family takes care of the debts and other expenses they will need income-replacement cash to help them through the first few years without you. It’s vital that for maximum coverage you add about 5 years worth of salary to your plan.

We are always available to answer questions and help lead you through this process. Our advisors are very knowledgeable and their main goal is to find a plan in your budget that gives you the most coverage.  We aim to make you and your family happy by protecting their and your financial future.

Need a life insurance quote? Use the quote engine on this page.