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

When it comes to comparing Accordia Life vs. SBLI, SBLI has the cheapest life insurance rates for both men and women. Although Accordia Life ratings are slightly higher than SBLI with A.M. Best, SBLI comes is a little ahead of Accorida with the BBB. Compare Accordia Life vs. SBLI life insurance rates, ratings, and products to determine if either company is right for you.

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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: Apr 23, 2021

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Quick Facts

  • SBLI has the cheapest rates for men and women when compared to Accordia Life.
  • Accordia Life has a slightly better A.M. Best rating than SBLI.
  • SBLI rates a little higher than Accordia Life with the Better Business Bureau.

When it comes to life insurance, you have many different companies to choose from. The best way to make a choice is to compare them side by side. We’ll evaluate the rates and ratings of Accordia Life vs. SBLI life insurance companies to see which one is best for you.

Both companies offer various types of permanent life insurance, as well as other products. Before you buy Accordia Life or SBLI life insurance, shop around and compare rates, products, and ratings.

You don’t have to limit your selection to just Accordia Life vs. SBLI. Compare other companies to find the one that best suits your needs. Enter your ZIP code now to compare life insurance quotes from multiple companies near you.

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

There are many different factors that affect your life insurance rates, such as your age, gender, and medical history.

This table compares the average affordable Accordia Life vs. SBLI life insurance rates for non-smoking women of various ages.

Accordia Life vs. SBLI Average Monthly Life Insurance Rates for Women (Non-Smokers)
Age of Female Non-SmokerAccordia Life Average Monthly Rates $100,000/20-yearSBLI Average Monthly Rates $100,000/20-year
25$10.68$8.67
30$10.77$8.75
35$11.57$9.07
40$13.71$11.05
45$17.53$14.05
50$23.85$19.31
55$33.38$26.76
60$52.51$39.41
65$95.68N/A
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SBLI life insurance is the cheapest for women no matter the age. However, SBLI doesn’t offer coverage for women over age 60.

It should also be noted that if you smoke or have other health issues, your rates will be higher.

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

Next, let’s compare the average rates to buy Accordia Life vs. SBLI life insurance for men who do not smoke.

Accordia Life vs. SBLI Average Monthly Life Insurance Rates for Men (Non-Smokers)
Age of Male Non-SmokerAccordia Life Average Monthly Rates $100,000/20-yearSBLI Average Monthly Rates $100,000/20-year
25$11.93$9.50
30$12.28$9.50
35$12.28$9.72
40$16.02$11.64
45$422.16$17.14
50$30.79$23.59
55$46.10$36.31
60$75.38$61.63
65$166.88N/A
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Accordia Life has higher rates than SBLI for men regardless of age. However, Accordia offers coverage to men at age 65 and SBLI does not.

As with rates for women, men who smoke or have certain medical conditions may pay higher than average rates.

It can be tricky to compare Accordia Life vs. SBLI life insurance quotes since you can’t get Accordia life insurance quotes online. However, you can get SBLI insurance quotes through the company’s website.

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

Ratings are also important when choosing a life insurance company. Even if a company has the cheapest rates, it might not be right for you if you can’t trust the company to come through when you need it.

A.M. Best evaluates companies on their financial health. Ratings go from an A+++ all the way down to a D. Accordia Life received an A, while SBLI received an A-. Both companies show an excellent ability to meet financial obligations.

When it comes to the Better Business Bureau (BBB), ratings range from an A+ down to an F. Accordia received an A rating and SBLI rated an A+. It’s worth noting that SBLI is accredited, but Accordia is not.

Coverages offered by each company also differ. SBLI offers no medical exam life insurance for customers who purchase term life and meet certain requirements. The company also offers whole and final expense life insurance coverages. Accordia Life and Annuity Company offers annuities as well as life insurance.

Both companies have websites, and your Accordia Life or SBLI login will allow you to access your account at any time.

While it is possible to find affordable Accordia Life or SBLI life insurance, you should compare products, rates, and ratings to decide if either company is right for you.

Keep in mind that you don’t have to just choose between just Accordia Life vs. SBLI life insurance. There are many other companies out there that offer affordable life insurance. Enter your ZIP code now to compare life insurance quotes from different companies near you for free.

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