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

When it comes to comparing Accordia Life vs. Transamerica, Accordia life insurance is generally cheaper for both men and women. However, the rates between the two companies are very similar. Transamerica has a higher A.M. Best rating than Accordia, but Accordia received a higher BBB rating. Compare Accordia Life vs. State Farm life insurance rates, ratings, and products to decide if either company is best 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: Jul 19, 2021

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Quick Facts

  • When comparing Accordia Life vs. Transamerica, Transamerica has the cheaper life insurance rates for men.
  • Accordia Life and Transamerica life insurance rates are pretty even for women.
  • Transamerica has a higher A.M. Best rating, but Accordia Life has a higher rating from the Better Business Bureau.

When it comes to life insurance, there are many companies to choose from, and comparing them side by side is the most effective way to make a decision. We’ll compare the rates and ratings of Accordia Life vs. Transamerica life insurance to see which is a better match for you.

Both companies offer a wide range of permanent life insurance options, as well as a number of other products. Before you buy Accordia Life vs. Transamerica life insurance, shop around and compare rates, products, and ratings.

You don’t have to limit your selection to just Accordia Life vs. Transamerica. 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 today.

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

A number of variables affect your life insurance rates. Your age, gender, and medical history are the most important factors in determining your rates.

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

Accordia Life vs. Transamerica Average Monthly Life Insurance Rates for Women (Non-Smokers)
Age of Female Non-SmokerAccordia Life AVerage Monthly Rates $100,000/20-yearTransamerica Average Monthly Rates $100,000/20-year
25$10.68$10.06
30$10.77$10.15
35$11.57$11.87
40$13.71$14.02
45$17.53$17.72
50$23.85$22.19
55$33.38$33.71
60$52.51$51.26
65$95.68$89.35
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Accordia life insurance rates are pretty evenly matched with Transamerica for women of all ages. In fact, there is generally less than a $1 difference between the average Accordia Life and Transamerica life insurance rates for women.

It’s also worth remembering that if you smoke or have other health issues, the rates will be higher.

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

Now, let’s compare the average Accordia Life vs. Transamerica life insurance rates for men who do not smoke.

Accordia Life vs. Transamerica Average Monthly Life Insurance Rates for Men (Non-Smokers)
Age of Male Non-SmokerAccordia Life Average Monthly Rates $100,000/20-yearTransamerica Average Monthly Rates $100,000/20-year
25$11.93$13.50
30$12.28$10.84
35$12.28$13.07
40$16.02$15.91
45$422.16$19.87
50$30.79$26.83
55$46.10$40.85
60$75.38$55.30
65$166.88$98.73
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Accordia Life has cheaper life insurance rates for men than Transamerica. Although the rate differences are small for younger men, older men will save more money with Accordia Life.

Men who smoke or have certain medical conditions can pay higher than average rates, just as women do.

Comparing Accordia Life vs. Transamerica life insurance quotes can be difficult because neither company offers online quotes.

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

Ratings are also important when choosing a life insurance company. Even if a company has the best deals, if you can’t trust them to deliver good service, it’s not the best fit for you.

A.M. Best evaluates a company’s financial health using a rating scale that goes from an A+++ all the way down to a D. Accordia Life received an A, showing it has an excellent ability to meet financial obligations. Transamerica received an A++, showing a superior ability to meet financial obligations.

The Better Business Bureau (BBB) uses a rating scale from an A+ down to an F. Accordia received an A rating and Transamerica received a B-. Neither company is accredited with the BBB.

Coverages offered by each company also differ. Transamerica offers many kinds of life insurance, such as term, whole, and universal. You can also get Transamerica retirement services. These services include IRAs as well as Transamerica 401ks.

The Accordia Life and Annuity Company is a subsidiary of the Global Atlantic Financial Group and offers annuities as well as indexed universal life insurance.

Both companies have websites, and you can use your Accordia Life or Transamerica login to access your account at any time.

While it is possible to find affordable Accordia Life vs. Transamerica life insurance, make sure to compare products, rates, and ratings to decide if either company is right for you.

It’s important to remember that you don’t have to choose between Accordia Life vs. Transamerica life insurance. There are many other companies that have low-cost life insurance. Enter your ZIP code now to compare life insurance quotes from multiple companies in your area for free.

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