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

When comparing life insurance companies like Accordia Life vs. MassMutual, it is for the best that you analyze both company pricing and company ratings. MassMutual offers more affordable rates to both men and women of various age groups and has the higher A.M. Best rating. Accordia Life, however, has the higher Better Business Bureau rating.

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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

  • MassMutual offers more affordable rates to men of various age groups than Accordia Life and Annuity Company
  • MassMutual offers more affordable rates to women of various age groups than Accordia Life
  • Accordia Life is more well-reviewed by the Better Business Bureau than MassMutual
  • MassMutual is more well-reviewed by A.M. Best than Accordia Life Insurance

Comparing life insurers can prove to be a bit of a hassle. To reduce this hassle for you, today we are going to be focusing exclusively on Accordia Life vs. MassMutual (or Mass Mutual).

You will get all the information you need, as we are going to be comparing company pricing and company ratings in our MassMutual and Accordia Life Insurance review.

Now, before we start this Accordia Life vs. MassMutual review, type your ZIP code into our free and helpful tool above to find affordable life insurance quotes in your area.

Accordia Life vs. MassMutual: Which company offers more affordable rates to men?

When you go about comparing insurance companies, it stands to reason that you would wish to start with what is most important to you. For most people, that would be pricing.

The following table shows the rates offered by the largest life insurance companies to men in their 30s, 40s, 50s, and 60s for a 20-year Term Life Policy valued at one million dollars.

Sample Monthly Life Insurance Rates by Company, Product, and Age for Males
CompaniesProductAge 30 Average Monthly Rates (Male)Age 35 Average Monthly Rates (Male)Age 40 Average Monthly Rates (Male)Age 45 Average Monthly Rates (Male)Age 50 Average Monthly Rates (Male)Age 55 Average Monthly Rates (Male)Age 60 Average Monthly Rates (Male)Age 65 Average Monthly Rates (Male)Age 70 Average Monthly Rates (Male)Age 75 Average Monthly Rates (Male)Age 80 Average Monthly Rates (Male)
Accordia LifeTerm Life$16.91N/A$23.36N/A$56.07N/A$128.84N/AN/AN/AN/A
ANICOSignature Term$12.53$12.96$15.98$22.68$31.75$47.30$76.25$132.19$227.88NANA
AssurityTerm Life$16.31$16.31$21.32$28.49$43.07$62.64$100.05$153.99$245.78$465.67NA
BannerOPTerm$12.68$13.33$17.71$22.10$32.90$45.99$73.81$123.03$211.06$399.22NA
CincinnatTermsetter$13.42$14.96$18.70$22.88$32.56$49.50$78.98$140.36$257.40$456.94NA
Fidelity LifeTerm Life$19.14NA$25.01NA$54.59NA$73.92NANANANA
John HancockVitality Term$14.09$14.24$16.96$22.14$28.41$43.04$68.14$117.04$245.79$455.46$849.79
Liberty MutualTerm Life$31.73N/A$35.55N/A$40.32N/A$95.58N/ANANANA
Lincoln NationalTerm Accel$12.34$12.63$15.22$21.84$30.96$46.75$71.95NANANANA
MassMutualVantage Term$13.28$13.48$16.98$24.58$35.03$53.50$82.65$147.03$256.00$478.08NA
Minnesota LifeAdvantage Elite$13.46$13.99$17.95$25.87$36.56NANANANANANA
Mutual of OmahaTerm Life Answers$13.33$14.19$19.35$23.22$33.33$50.31$80.84$148.35$274.13$525.68$908.38
Nassau LifeTerm Life$17.43NA$26.15NA$51.69NA$119.78NANANANA
NationwideYourLife$13.56$13.56$16.41$22.97$32.59$47.91$86.41$152.03$260.97NANA
North AmericanADDvantage$12.98$13.20$16.50$22.88$31.90$48.40$77.44$133.98NANANA
Pacific LifePromise Term$12.32$12.32$15.59$21.85$30.09$45.46$69.89$123.04$211.07$399.24$874.22
PrincipalTerm Insurance$12.69$12.69$15.80$23.05$31.15$45.65$71.97$126.66$217.44$410.99$902.78
ProtectiveClassic Choice$11.62$11.83$14.78$21.32$30.07$45.47$69.90$124.33$211.07$399.24NA
ProtectiveCustom Choice UL$11.87$12.08$15.10$21.77$31.46$47.82$73.23$131.78NANANA
PrudentialTerm Essentials$21.88$21.88$25.60$28.66$38.07$50.75$79.41$142.85$259.88$508.82NA
SagicorAccelerwriting Term$12.60$12.75$17.07$22.27$43.59$65.49$103.05$172.65$313.06$510.40NA
SBLILevel Term$11.80$12.07$14.53$20.96$31.88$48.12$75.61$129.70$225.74NANA
SymetraTerm 3.0$12.91$12.91$16.19$23.84$33.21$51.54$83.77$140.57$239.27$440.78$969.72
TransamericaTrendsetter Super$12.47$13.33$18.71$24.30$37.41$55.90$86.86$161.04$221.67$410.65$884.51
TransamericaTrendsetter LB$13.33$14.62$20.21$27.09$40.21$64.29$101.91$176.30$302.94$490.63$1,072.64
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Comparing Accordia Life vs. MassMutual life insurance rates shows that for men in their 30s MassMutual life insurance is over $3 per month cheaper than Accordia Life. For men in their 40s, MassMutual is over $6 cheaper per month than Accordia Life.

For men in their 50s, Accordia Life is over $21 more expensive per month than MassMutual. Finally, for men in their 60s, MassMutual is over $46 cheaper per month than Accordia Life.

To recap, MassMutual Life Insurance definitely offers more affordable rates to men of various age groups than Accordia Life. Let’s see if this holds true in terms of rates offered to women.

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Accordia Life vs. MassMutual: Which company offers more affordable rates to women?

What we’re going to do now is comparable to what we did in the last section, except this time we will analyze rates offered to women.

Sample Monthly Life Insurance Rates by Company, Product, and Age for Females
CompaniesProductAge 30 Average Monthly Rates (Female)Age 35 Average Monthly Rates (Female)Age 40 Average Monthly Rates (Female)Age 45 Average Monthly Rates (Female)Age 50 Average Monthly Rates (Female)Age 55 Average Monthly Rates (Female)Age 60 Average Monthly Rates (Female)Age 65 Average Monthly Rates (Female)Age 70 Average Monthly Rates (Female)Age 75 Average Monthly Rates (Female)Age 80 Average Monthly Rates (Female)
Accordia LifeTerm Life$15.58N/A$20.69N/A$40.03N/A$89.25N/AN/AN/AN/A
AIGSelect-A-Term$11.07$11.54$15.19$20.23$27.41$38.05$56.86$94.95$165.86$273.97$640.78
ANICOSignature Term$11.88$12.53$14.90$19.87$27.22$37.15$55.94$84.67$147.96N/AN/A
AssurityTerm Life$11.09$13.92$17.84$23.06$34.15$49.37$72.65$112.88$182.05$336.47N/A
BannerOPTerm$10.37$11.93$14.62$19.09$27.30$40.63$63.64$118.47$191.71$357.33N/A
CincinnatiTermsetter$12.98$14.96$16.72$20.46$27.28$38.06$56.76$91.74$154.44$306.46N/A
Fidelity LifeTerm Life$16.10N/A$22.62N/A$45.68N/A$58.32N/AN/AN/AN/A
John HancockVitality Term$12.39$12.61$14.86$20.09$23.86$37.73$50.94$83.61$176.04$369.26$843.44
Liberty MutualTerm Accel$10.51$11.05$13.70$18.93$25.86$35.44$51.35N/AN/AN/AN/A
Lincoln NationalLifeElements$16.10$16.63$21.22$28.22$37.41$50.75$74.81$112.44$199.06$371.83$655.77
MassMutualVantage Term$11.98$12.63$15.23$21.98$29.15$40.25$58.73$92.45$151.38$318.85NA
Minnesota LifeAdvantage Elite$12.67$12.67$16.10$23.23$30.89NANANANANANA
Mutual of OmahaTerm Life Answers$11.61$12.90$16.56$20.21$27.31$38.27$57.19$98.47$169.42$365.50$704.13
Nassau LifeTerm Life$16.14NA$22.52NA$42.11NA$89.06NANANANA
NationwideYourLife$13.34$13.34$16.19$20.13$27.13$37.19$61.69$95.16$153.56NANA
North AmericanADDvantage$11.66$12.10$14.96$20.02$26.62$37.62$54.34$85.80$138.82$281.60NA
Pacific LifePromise Term$10.82$11.47$14.24$19.10$25.16$34.42$49.88$80.43$131.35$270.85$637.03
PrincipalTerm Insurance$11.27$11.33$14.39$19.43$25.94$35.48$51.41$79.28$128.06$272.34$655.16
ProtectiveClassic Choice$10.43$10.78$13.31$18.64$25.12$34.43$49.88$80.43$131.36$270.86NA
ProtectiveCustom Choice UL$10.79$11.01$13.59$19.62$26.29$35.77$52.26$82.27$134.16$284.43NA
PrudentialTerm Essentials$17.72$18.16$21.22$28.22$37.63$41.35$59.07$94.72$159.03$309.32NA
SagicorAccelerwriting Term$10.95$11.22$15.10$20.43$36.75$48.64$63.78$108.79$212.88$366.31NA
SBLILevel Term$10.38$10.65$13.08$18.85$26.72$36.34$53.85$90.13$161.65NANA
SymetraTerm 3.0$11.81$11.81$14.39$19.91$25.94$38.06$52.97$85.97$138.25$273.88$692.34
TransamericaTrendsetter Super$11.18$12.26$16.34$20.86$29.89$47.09$71.81$130.94$207.05$312.18$750.14
TransamericaTrendsetter LB$12.26$13.12$17.63$22.36$32.25$49.24$81.06$143.62$241.33$389.37$887.74
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As you can see, for women in their 30s, Accordia Life is over $3 more expensive per month than MassMutual. For women in their 40s, MassMutual is over $5 cheaper per month.

For women in their 50s, Accordia Life is almost $11 more expensive per month for women than MassMutual. Finally, for women in their 60s, MassMutual is a whopping $30 cheaper per month than Accordia Life.

When it comes to Accordia Life vs. MassMutual life insurance quotes, MassMutual wins. Let’s wrap up with company reviews to see if MassMutual can sweep our comparison.

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

Before we part ways for the day, we feel the need to stress the importance of company ratings from organizations such as A.M. Best and the Better Business Bureau.

A positive rating from one or both of these two rating organizations can give consumers confidence that a life insurance company has and will continue to have financial strength.

The Better Business Bureau’s rating scale goes from the highest score of “A+” down to the lowest score of “F”. As far as Accordia Life Insurance Company is concerned, we have some fairly good news for you.

They received the Better Business Bureau’s second-highest possible rating of “A”. With that being said, at least as of this time, they do not hold BBB accreditation.

How did MassMutual do with the Better Business Bureau? They have a lower rating of “B-” and are also not BBB accredited.

A.M. Best’s Financial Strength Rating (FSR) scale is slightly different in that it ranges from “A++” down to “D”. Not to mention, they actually have two different scales.

Accordia Life received an FSR of “A-” from A.M. Best. How did MassMutual do in terms of A.M. Best’s Financial Strength Rating scale? They scored the highest rating possible of “A++” (Superior). This is a big win for MassMutual.

A.M. Best also has what is called Long-Term Issuer Credit Ratings (Long-Term ICR). Whereas their Financial Strength Ratings are about an insurer’s financial strength as well as its ability to meet ongoing policy and contractual obligations, a Long-Term ICR is focused on the future.

A Long-Term ICR can be issued on a long-term basis or short-term basis.

This scale goes from the high end of “aaa” (Exceptional) down to the low end of “c”. It’s a little confusing, so the scale goes like this: “aaa,” “aa,” “a,” “bbb,” “bb,” “b,” “ccc,” “cc,” “c”. A company can also score notches in their ratings, i.e. “aa+”.

Accordia Life scored an A.M. Best Long-Term Issuer Credit Rating of “a”. Again, MassMutual wins, this time with a much higher rating of “aa+”

Should you buy Accordia Life vs. MassMutual insurance? In short, you have two very valid options here, but it’s a near-sweeping victory for MassMutual.

Is there MassMutual retirement or MassMutual 401(k)?

They have both, with their retirement program being called MassMutual Retiresmart. These are as easily accessible as typing in your MassMutual login.

Now that you’ve finished this Accordia Life vs. MassMutual review, type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.

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