SelectQuote Reviews: Our Expert Take for 2025
By Ben Carter
8.8
Consumers Best Verdict: SelectQuote (Broker) Highlights
At Consumer's Best, we found SelectQuote (Broker) operates exactly how a modern insurance broker should: quick preliminary quotes, access to well-known insurers, and agents who can translate underwriting into plain English. You’re not buying a SelectQuote policy—you’re buying from a partner carrier—so claims and ongoing servicing live with the insurer. That said, SelectQuote’s ability to re-shop if underwriting surprises you is a real win. It’s not perfect, but for a lot of people, it just makes the process easier.
Look, if you’re skimming selectquote reviews and just want the bottom line, here it is: SelectQuote (Broker) is a strong, time-saving marketplace for comparing life insurance (and more) across multiple top carriers. It shines for folks who want guidance from a licensed agent without hopping from site to site. I docked a bit for its phone-first approach and occasional upselling, but overall, the value is solid—especially for term life and Medicare shoppers who appreciate a guided, human touch.
In-Depth Look: SelectQuote (Broker) Features & Considerations
Core Features & Consumer Benefits
SelectQuote (Broker) is best thought of as your guided gateway to multiple insurers. One intake, many options—then a real person helps you land the fit.
Multi-carrier access
Compare quotes from multiple reputable insurers in one place, which can surface better pricing or underwriting flexibility you might miss on a single-carrier site.
Licensed, consultative agents
Agents help tailor coverage—term length, laddering strategies, riders—and explain how health history affects rates. It’s the practical, “talk me through it” help many of us want.
Broad product menu
Term life, whole life, final expense, plus Medicare (Advantage, Medigap, Part D) and even auto/home via partners. Handy if you’re juggling multiple needs.
Faster starts, clearer next steps
Get preliminary quotes quickly, schedule exams when needed, and use e-sign to keep things moving. Final rates still depend on underwriting, but the process feels guided, not murky.
Re-shopping safety net
If underwriting comes back with a higher rate than expected, agents can pivot to another carrier that may treat your profile more favorably.
Important Considerations & Potential Downsides
- Phone-first experience
Online is fine for estimates, but most applications run through phone consultations. Expect follow-up calls and texts—helpful to some, too much for others.
- Broker, not insurer
Claims and policy servicing are handled by the carrier you choose, which means different billing portals, support numbers, and timelines.
- Upsells and add-ons
You may encounter pitches for riders or ancillary products. Some are useful, but it pays to pause and ask, “Do I really need this?”
- Availability varies by state and carrier
You won’t see every policy on the market, and participating carriers can change. Always compare key details, not just the headline price.
Who Is the SelectQuote (Broker) Best For?
Rate shoppers who value guidance
You want multiple quotes, sure, but you also want a human to explain which carrier fits your health profile and budget.
Term-life first-timers
Simple coverage goals—income replacement, mortgage protection—and you’d like an agent to sanity-check term length and coverage amount.
Health profiles with quirks
Minor conditions, past smokes, or unique meds—an agent can steer you toward carriers that underwrite those factors more favorably.
Medicare decision-makers
If you’re comparing Medicare Advantage vs. Medigap vs. Part D, the broker model helps you see trade-offs side by side.
Busy professionals
You’d rather do one intake and let someone else handle the matchmaking, paperwork, and next steps—without spending your weekend on forms.
Who Might Want to Explore Other Options?
- DIY purists
If you insist on a fully self-serve, no-calls-online checkout, a digital-first insurer or marketplace with end-to-end online binding may suit you better.
- Carrier loyalists
If you already know the exact insurer you want, going direct might be simpler—and you’ll deal with fewer handoffs.
- Ultra-price hunters
If you want to check every niche carrier imaginable, a broader aggregator or a second broker can help you triangulate the absolute lowest price.
- Minimal-contact shoppers
If follow-up calls are a hard no, you’ll likely find the phone-first flow frustrating.
