Categories
Review 2026
BestGuide Score
4.1
out of 5
SelectQuote is a legitimate, highly established insurance brokerage that makes it easy to compare life insurance rates from top carriers. It is best for shoppers who want an agent to do the heavy lifting of comparing quotes, though you should be prepared for a high volume of follow-up sales calls and should weigh its very low BBB customer review score before sharing your contact information.
Welcome to our comprehensive SelectQuote review. Finding the right coverage can be stressful, but this established broker aims to simplify the process. Before committing to a policy, you might want to compare SelectQuote with other top-rated companies to ensure you get the best deal.
SelectQuote operates as an independent insurance agency rather than a direct insurer. When you request a quote, their agents compare policies from highly rated insurance companies to find options that match your budget and needs. Many SelectQuote life insurance reviews highlight the convenience of comparing multiple carriers at once.
They are particularly well known for their options regarding Select Quote Senior life insurance, helping older adults secure final expense and whole life policies by navigating complex medical histories on their behalf.
SelectQuote is free for consumers. As a broker, it earns a commission directly from the insurance carrier when you buy a policy, so you do not pay SelectQuote a separate fee for the comparison or agent consultation. The actual premium you pay is set by the underlying carrier, not by SelectQuote, and depends on factors like age, health, coverage amount, and policy type (term, whole, or final expense). Because pricing is carrier-driven, the same coverage can vary widely between the insurers SelectQuote represents, which is the main reason to compare more than one quote.
Like any service, there are advantages and drawbacks. Here is a breakdown of what you should expect before handing over your contact information.
| Pros | Cons |
|---|---|
| Carrier Network: Access to multiple highly reputable, A-rated insurance carriers in one single phone call. | Aggressive Marketing: Common SelectQuote complaints mention a very high volume of phone calls and emails once contact info is submitted. |
| Free Service: The comparison and agent consultation are completely free to use (SelectQuote earns its commission from the insurer). | Low Customer Score: SelectQuote holds just 1.04 out of 5 stars across 48 BBB reviews, with 69 complaints filed in the last three years. |
| Expert Agents: Experienced agents who can help navigate complex pre-existing conditions or senior coverage needs. | Not a Direct Insurer: You do not work directly with the insurance company until the policy is actually purchased. |
If you are wondering, “Is Select Quote legitimate?”, the answer is yes. SelectQuote has been in business since 1985 and has helped millions of customers secure coverage. It is a publicly traded company on the New York Stock Exchange (NYSE: SLQT) and operates as a fully licensed brokerage in all 50 states. Headquartered in Overland Park, Kansas and led by CEO Tim Danker, the company has been BBB-Accredited with an A+ rating since 1996.
That said, legitimacy and customer satisfaction are not the same thing here. SelectQuote holds just 1.04 out of 5 stars across 48 BBB reviews, and the BBB logged 69 complaints in the past three years, many alleging repeated calls despite Do-Not-Call requests. It is also worth noting that in May 2025 the U.S. Department of Justice filed a False Claims Act complaint against SelectQuote and other brokers over their Medicare Advantage sales practices; the allegations are unproven and the matter remains ongoing. For most shoppers the bigger day-to-day issue is the follow-up call volume, so consider using a dedicated phone number when you request a quote.
To conclude this SelectQuote review, we give the broker a solid rating for its extensive carrier network and ease of use, especially for shoppers who want to compare multiple policies without doing the legwork themselves. It is a useful resource for seniors or individuals with health conditions who want an agent to guide them, provided you go in aware of the heavy follow-up calls and the low BBB customer score.
Strong carrier network and senior expertise, but heavy sales calls and a low customer score mean it pays to compare before you commit.
Is SelectQuote a reputable company?
It is a publicly traded, BBB-Accredited brokerage (A+ rating) with decades of experience, though its BBB customer review score is very low at 1.04 out of 5, largely due to complaints about sales calls.
Is SelectQuote free to use?
Yes, the service is completely free for consumers. SelectQuote earns a commission from the insurance company if you ultimately buy a policy.
Who owns SelectQuote insurance?
SelectQuote is a publicly traded company (NYSE: SLQT) led by CEO Tim Danker and an executive management team, rather than being owned by a single parent insurer.
Is SelectQuote better than going to an agent directly?
It depends on your needs. SelectQuote lets you compare multiple carriers at once, whereas a captive agent sells policies from only one specific company.
How long does it take to get a life insurance quote from SelectQuote?
You can usually get initial quotes within minutes over the phone or online, though finalizing a policy and going through underwriting takes longer.
Can I get life insurance through SelectQuote without a medical exam?
Yes, SelectQuote partners with carriers that offer no-medical-exam (guaranteed issue or simplified issue) policies, though coverage limits may be lower and premiums slightly higher.
What types of life insurance does SelectQuote offer?
It offers term life, whole life, and final expense insurance, along with other products like Medicare and auto/home insurance.
What are the disadvantages of using SelectQuote?
The main drawbacks are the high volume of sales calls, a very low BBB customer review score, and the fact that you do not interact directly with the actual insurer until the policy is purchased.
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