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: Apr 15, 2021

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Facts You Should Know

  • Accordia Life Insurance is more well-reviewed by the Better Business Bureau
  • Lincoln Life Insurance is more well-reviewed by A.M. Best
  • Lincoln offers more competitive rates to men of various ages
  • Lincoln offers more competitive rates to women of various ages

The process of life insurance company comparison can prove to be quite a lengthy and difficult one. For this reason, in an effort to simplify the process for you, we are going to be focusing exclusively on Accordia Life vs. Lincoln today.

Bear in mind this is for Lincoln National Life Insurance Company (or just Lincoln National Life Insurance), not Lincoln Heritage Life Insurance.

Major life insurance companies like Accordia Life and Annuity Company can offer their insured no-medical-exam life insurance. If appeals to you, read on to learn more.

In the meanwhile, prior to us delving into the details of our comparison, type your ZIP code into our free and helpful tool above to find affordable life insurance quotes in your area. We can’t promise you’ll find Accordia Life insurance rates or have the opportunity to buy Lincoln life insurance, but you will find the cheapest rates in your area.

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

When you set out to compare life insurance companies, it is quite likely that you would start with something that is important to you. For the majority of people, what is important is a company’s pricing.

Let’s now take a look at a table that shows the rates (for various products, not every life insurance company offers the exact same form of coverage) offered to women of several different age groups. These rates are offered not only by Accordia Life and Lincoln, but several other major life insurance companies as well.

Sample Average Monthly Life Insurance Rates by Company and Product for Women
CompaniesProductFemale Age: 30 Average Monthly RatesFemale Age: 35 Average Monthly RatesFemale Age: 40 Average Monthly RatesFemale Age: 45 Average Monthly RatesFemale Age: 50 Average Monthly RatesFemale Age: 55 Average Monthly RatesFemale Age: 60 Average Monthly RatesFemale Age: 65 Average Monthly RatesFemale Age: 70 Average Monthly RatesFemale Age: 75 Average Monthly RatesFemale Age: 80 Average Monthly Rates
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
Compare RatesStart Now →

Is it easier to get affordable Accordia Life insurance quotes or affordable Lincoln life insurance quotes? As you can see, for women in their 30’s, Accordia Life is over five dollars more expensive per month than Lincoln. For women in their 40’s, Accordia Life is just under seven dollars more expensive per month than Lincoln.

As you can see, the disparity is growing. Let’s see if this continues.

For women in their 50’s, Lincoln is over 14 dollars cheaper per month than Accordia Life. Finally, for women in their 60’s, Lincoln is almost 38 dollars per month cheaper than Accordia Life.

Let’s move on to the next section and see if Lincoln offers cheaper rates to men of various ages as well.

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

We’re now going to do the same thing we did in the last section, but this time it will be for rates offered to men. Let’s take a look.

Sample Average Monthly Life Insurance Rates by Company and Product for Men
CompaniesProductMale Age: 30 Average Monthly RatesMale Age: 35 Average Monthly RatesMale Age: 40 Average Monthly RatesMale Age: 45 Average Monthly RatesMale Age: 50 Average Monthly RatesMale Age: 55 Average Monthly RatesMale Age: 60 Average Monthly RatesMale Age: 65 Average Monthly RatesMale Age: 70 Average Monthly RatesMale Age: 75 Average Monthly RatesMale Age: 80 Average Monthly Rates
AIGTerm life > $27N/AN/AN/A>$30$29.45$32.58$43.08$50.49$70.28$124.22
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 Mutual Term Life $33.75NA$55.13NA$144.68NA$399.83NANANANA
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$1072.64
Compare RatesStart Now →

As you can see, for men in their 30’s, Accordia Life is over four dollars more expensive per month than Lincoln. For men in their 40’s, Accordia Life is over eight dollars per month more expensive than Lincoln.

For women in their 50’s, the disparity jumps quite a bit. For this category, Lincoln is over 25 dollars cheaper per month than Accordia Life. Finally, for women in their 60’s, Lincoln is about 56 dollars cheaper per month. That’s quite substantial, right?

Let’s go ahead and wrap up with company ratings bestowed upon Accordia Life and Lincoln. Perhaps Lincoln will win three for three. First, though, be sure to read our Lincoln Financial Group Life Insurance Company Review to get an even better sense if this company is the one for you.

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

Before we part ways for the day we would like to stress the importance of company ratings from organizations such as A.M. Best and the Better Business Bureau. A high rating from one or both of these aforementioned company-rating organizations can instill confidence in consumers that their chosen life insurance company will have financial strength well into the future.

The Better Business Bureau’s rating scale extends from the high end of “A+” down to the low end of “F”. As far as Accordia Life is concerned, it’s pretty good news. They received the Better Business Bureau’s second-highest possible rating of “A”. With that being said, they currently do not hold BBB accreditation.

How did Lincoln do with the Better Business Bureau? They hold a rating one notch below Accordai Life, a rating of “A-“. They, too, are not currently 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. What score did Lincoln receive? Lincoln received a Financial Strength Rating of “A+”, which is pretty terrific.

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.” What Long-Term ICR rating did Lincoln get? They received a rating of “a+,” so slightly higher than that of Accordia Life.

In short, you have two great options here, but Lincoln wins. Don’t let your insurer comparison stop here. Type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area. We can’t promise you’ll find Lincoln life insurance rates or have the opportunity to buy Accordia Life insurance, but you’ll find the best prices in your area.