Accordia Life vs. Assurity: Best Life Insurance Company in 2021

When comparing insurers like Accordia Life vs. Assurity, it is for the best that you analyze not only pricing but company ratings as well. Assurity offers more competitive pricing than Accordia Life to men and women of various ages. Furthermore, Assurity is more well-reviewed than Accordia Life by the Better Business Bureau. Both Accordia Life and Assurity hold an identical rating from A.M. Best.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • Assurity offers more competitive rates to men than Accordia Life
  • Assurity offers more competitive rates to women than Accordia Life
  • Assurity received a higher rating than Accordia Life from the Better Business Bureau
  • Accordia Life and Assurity received an identical rating from A.M. Best

Since you are here with us today, you are most likely on the search for your next life insurer. The process of comparing insurance companies can prove itself to be a taxing one. For this reason, we are going to be focusing exclusively on Accordia Life vs. Assurity today.

Should you wish to learn more about Accordia Life and Annuity Company, be sure to read ourAccordia Life Insurance Review.

Before we really dive into our comparison of Accordia Life vs. Assurity, type your ZIP code into our free and helpful tool above to find affordable life insurance quotes in your area.

Accordia Life vs. Assurity: Which company offers better rates to women?

When you are comparing insurers, be they life insurers or auto insurers, you probably want to start with what is most important. For many people, that is pricing.

Let’s take a look at a table that shows the average monthly rates for women of various ages not just from Accordia Life and Assurity Life, but all of the big insurers.

Average Monthly Whole Life Insurance Rates for a Female with $100,000 in Coverage
CompaniesAge 50 Average Monthly Rates Age 55 Average Monthly Rates Age 60 Average Monthly RatesAge 65 Average Monthly Rates
AAA $15.40$18.83$25.61$37.93
Accordia Life $41.83N/A$101.24N/A
AIG $15.04$20.96$25.58$44.93
Assurity $16.53$22.97$32.71$49.76
Foresters Financial $13.13$17.41$25.46$34.39
Liberty Mutual$32.94$39.15$59.76$81.27
MassMutual$14.62$20.28$28.19$42.64
Mutual of Omaha $16.73$21.97$29.20$46.57
Prudential$21.27$23.80$29.49$41.13
State Farm $23.49$29.67$40.98$59.51
TransAmerica$17.46$25.89$36.98$59.94
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As you can see, for women in their 50s, Accordia Life is over 25 dollars more expensive per month than Assurity Life Insurance.

For women in their 60s, Accordia Life is a whopping 69 dollars more expensive per month than Assurity. So, for men, Assurity Life Insurance Company appears to win.

Let’s move on and see if this holds true for rates offered to men by Accordia Life and Assurity. Also, be sure to read our Assurity Life Insurance Review to learn more about all this company has to offer its insured.

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Accordia Life vs. Assurity: Which company offers better rates to men?

We are now going to do the same thing we did in the last section, this time with rates for men. This is for a life insurance policy valued at $100,000.

Average Monthly Whole Life Insurance Rates for a Male with $100,000 in Coverage
CompaniesAge 50 Average Monthly Rates Age 55 Average Monthly Rates Age 60 Average Monthly Rates Age 65 Average Monthly Rates
AAA $17.78$22.53$37.14$59.93
Accordia Life$16.91$23.36$56.07$153.53
AIG $17.01$26.62$38.22$55.07
Assurity $20.10$28.45$44.20$67.08
Foresters Financial $15.31$20.83$34.04$43.66
Liberty Mutual $40.32$55.35$95.58$141.93
MassMutual$16.97$24.10$35.50$61.68
Mutual of Omaha$18.88$27.65$41.67$59.73
Prudential$21.88$28.18$37.72$58.45
State Farm $26.54$34.45$51.50$83.09
TransAmerica $20.21$30.10$42.66$71.29
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As you can see, for 50-year-old men, Accordia Life is over three dollars cheaper per month than Assurity. For 55-year-old men, Accordia Life is over five dollars cheaper per month than Assurity.

For men who are 60, it flips around a bit, with Accordia Life being almost 12 dollars per month more expensive than Assurity. Finally, for 65-year-old men, Accordia Life is a whopping 86 dollars more expensive per month than Assurity.

So for men, we can say that Assurity offers more reasonable rates if the demographics are averaged out. Let’s wrap up with how these two companies are reviewed.

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Accordia Life vs. Assurity: Which company is more well-reviewed?

One last thing to look out prior to deciding which life insurer is for you is to compare how they are rated by companies such as A.M. Best and the Better Business Bureau (BBB).

The Better Business Bureau’s rating scale goes from the highest score of A+ down to the lowest score of F. Accordia Life received the Better Business Bureau’s second-highest rating, which is an A. Furthermore, as of this point, Accordia Life is not accredited by the Better Business Bureau.

How did Assurity do with the BBB? It turns out that not only is Assurity Better Business Bureau accredited, but it has the highest possible rating of A+.

A.M. Best’s rating scale is a little different in that it extends from a high end of A++ down to a rating of D. Accordia Life received a rating of A- from A.M. Best.

Did Assurity win when it comes to A.M. Best’s ratings? It actually received the same rating as Accordia Life, an A- (Excellent).

So, in short, you have two worthy choices here, but Assurity appears to win. Don’t let your insurer comparison stop between Accordia Life vs. Assurity here, though. Type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.

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