Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 9, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • SBLI offers more affordable rates to men and women of various ages than Accordia Life and Annuity Insurance Company
  • SBLI is more well-reviewed by A.M. Best than Accordia Life
  • Accordia Life and SBLI both offer numerous forms of life insurance coverage

You have a lot of choices when it comes to life insurers, and the sheer amount of choices can actually make the process difficult. Today, we will be focusing exclusively on Accordia Life vs. SBLI life insurance today.

Our Accordia Life vs. SBLI Life Insurance review will cover these companies’ pricing, coverage forms, and ratings.

Prior to us diving into our Accordia Life vs. SBLI Life Insurance Company review, type your ZIP code into our free and helpful tool above. You will be able to find the most affordable life insurance quotes in your area.

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

When comparing life insurance companies, it is best to start with the basics like pricing.

Accordia Life vs. SBLI AVerage Monthly Rates by Gender and Age
Gender and AgeAccordia Life Average Monthly RatesSBLI Average Monthly Rates
Male Age: 30$16.91$11.80
Male Age: 40$23.36$14.53
Male Age: 50$56.07$31.88
Male Age: 60$128.84$75.61
Female Age: 30$15.58$10.38
Female Age: 40$20.69$13.08
Female Age: 50$40.03$26.72
Female Age: 60$89.25$53.85
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Is it easy to find affordable Accordia Life vs. SBLI life insurance quotes? As you can see, SBLI is consistently cheaper for men of various ages.

Look at the Accordia Life vs. SBLI life insurance rates for men in their 60s, where Accordia Life is over $53 more expensive per month than SBLI.

Is SBLI cheaper for women as well? While the disparity between rates decreases a bit, yes, SBLI is cheaper than Accordia Life for women of various ages.

So, our SBLI vs. Accordia Life insurance review has shown us that frugal shoppers certainly have a reason to buy a policy from SBLI Life Insurance Company.

Let’s move on to these companies’ forms of coverage and see if SBLI can strengthen its lead.

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What forms of coverage do these companies offer?

Just as there are many companies to choose from, there are also many forms of coverage as well.

This is due to the fact that one life insurance company does not necessarily offer the same forms of coverage as the next.

Let’s take a look at a quick video that will shed light on the differentiation between various forms of coverage.

Accordia Life has several forms of coverage to choose from, including level premium term insurance. This coverage guarantees the insured that their premiums will remain at the same level throughout the contract.

They also offer universal life insurance (UL) for individuals who need assurance that their families will receive a death benefit with a minimal interest rate.

Lastly, Accordia Life offers indexed universal life insurance (IUI). IUI is different from UL in that IUI’s interest rate is fully dependent upon the movement of the stock market.

SBLI offers four forms of life insurance. First is SBLI Term Life Insurance. This is seen as the most affordable option.

SBLI Whole Life Insurance is also offered. While this form of coverage comes with a lifetime guarantee, whole life policies are frequently criticized by organizations such as Virginia Tech for not being flexible.

There’s also Final Expense Life Insurance, which is designed to assist grieving family members with bills.

Lastly, there’s SmartTerm 360. This is actually a grouping of policies designed specifically to meet an insured’s coverage needs as said needs develop over time.

So, no matter which of these two companies you choose, you have coverage options. Let’s now wrap up with company ratings

How are Accordia Life and SBLI rated?

We are now going to close out by analyzing Accordia Life and SBLI insurance reviews given by A.M. Best.

These are called Financial Strength Ratings (FSR) and give potential insured confidence in a given company’s ability to meet their financial needs.

A.M. Best Ratings for Top Providers
Life Insurance CompanyA.M. Best Rating
Accordia LifeA-
AIGA
ANICOA
AssurityA-
Banner LifeA+
Cincinnati LifeA
FidelityA-
ForestersA
Gerber LifeA
John HancockA+
Lincoln FinancialA+
MetLifeA+
Midland NationalA+
Minnesota LifeA+
Mutual of OmahaA+
NationwideA+
North American CoA+
Pacific LifeA+
PrincipalA+
ProtectiveA+
PrudentialA+
SagicorA-
SBLIA+
SymetraA
TransamericaA+
VOYAA
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Accordia Life received an FSR of “A-” (Excellent), which is the second-highest of seven rating tiers.

How did SBLI fare in comparison? They received an even better rating of “A+” (Superior).

So, in review, SBLI swept this thing. While both companies offer plenty of coverage forms to choose from, SBLI life insurance rates are cheaper.  They also have a higher A.M. Best rating.

Now, you know all you need to decide whether to buy Accordia Life vs. SBLI life insurance.

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

Frequently Asked Questions: Accordia Life vs. SBLI

What follows are a few commonly asked questions about these two companies.

#1 – Can I make an Accordia Life Insurance online payment?

Yes, through their parent company, Global Atlantic Financial Group.

#2 – What is the Accordia Life and Annuity Company payment address?

215 10th Street Suite 1100

Des Moines, IA 50309-3616