SelectQuote is a legitimate insurance brokerage founded in 1985 and publicly traded on the NYSE (SLQT). They don’t sell insurance directly but connect you with carriers like Prudential, Protective Life, and United of Omaha. SelectQuote is free to use, as they earn commissions from insurance companies. They hold an A+ rating from the Better Business Bureau and 4.3 stars on Trustpilot from over 11,000 reviews.
If you’ve seen SelectQuote’s TV commercials promising to save you money on life insurance, you’re probably wondering if they’re the real deal. With so many insurance options out there, it’s smart to do your homework before sharing personal information with any company.
We’re not SelectQuote. We’re Ogletree Financial, an independent insurance agency that works with many of the same carriers SelectQuote represents. This review gives you an honest look at how SelectQuote works, what customers are saying in 2025, and whether they’re the right fit for your insurance needs.
NOTE: If you need to contact SelectQuote directly, call them at (800) 577-2812 or visit SelectQuote.com. Their headquarters is located at 6800 W 115th Street, Suite 2511, Overland Park, KS 66211.
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Is SelectQuote Legit?
Yes, SelectQuote is a legitimate company. They’ve been in business since 1985 and have helped millions of families find life insurance coverage. Here’s what backs up their credibility.
SelectQuote is publicly traded on the New York Stock Exchange under the ticker symbol SLQT. This means they’re required to file financial reports with the SEC and meet strict regulatory standards. The company holds an A+ rating from the Better Business Bureau and maintains a 4.3-star rating on Trustpilot based on more than 11,000 customer reviews.
It’s important to understand that SelectQuote isn’t an insurance company. They’re an insurance brokerage, which means they don’t provide the actual coverage. Instead, they connect you with insurance carriers who underwrite and service your policy. This distinction matters because after you buy a policy, your ongoing relationship is with the insurance company, not SelectQuote.
What Is SelectQuote and How Does It Work?
SelectQuote is one of the largest independent insurance brokerages in the United States. Founded in 1985 by Charan Singh, a former Charles Schwab executive, the company started by offering term life insurance quotes from multiple carriers. Today, they’ve expanded to include Medicare plans, auto insurance, and home insurance.
Here’s how the process works. You start by requesting a quote online or calling their toll-free number. A licensed agent contacts you to gather information about your health, coverage needs, and budget. The agent then shops your application with multiple insurance companies to find competitive rates. If you decide to move forward, SelectQuote helps you complete the application and coordinates any required medical exams.
The whole process happens through their call centers. This means you’ll work with different agents at various stages rather than building a long-term relationship with one person. For straightforward cases, this system works efficiently. For complex situations involving health issues or unusual coverage needs, a local independent agent might serve you better.
How Much Does SelectQuote Cost to Use?
SelectQuote is free for consumers. You won’t pay any fees or markups for using their service.
Like other independent insurance brokerages, SelectQuote earns money through commissions paid by insurance carriers. When you buy a policy through SelectQuote, the insurance company pays them a percentage of your premium. This commission is built into the standard rates, so you’ll pay the same premium whether you buy directly from the carrier or through SelectQuote.
One thing to keep in mind: SelectQuote agents work in a call center environment with sales quotas. This means they may try to cross-sell you additional products like auto or home insurance. There’s nothing wrong with bundling policies if it saves you money, but don’t feel pressured to buy something you don’t need.
Insurance Companies SelectQuote Represents
SelectQuote partners with many well-known insurance carriers. They advertise that they only work with companies rated “A” or higher by AM Best, which measures financial strength.
Life Insurance Partners
| Carrier | Carrier | Carrier |
|---|---|---|
| Pacific Life | Protective Life | Lincoln National |
| Banner Life | Prudential | United of Omaha |
| William Penn | Corebridge Financial | TruStage |
| Legal & General America | Globe Life | SBLI |
Auto and Home Insurance Partners
| Carrier | Carrier | Carrier |
|---|---|---|
| Progressive | MetLife | Safeco Insurance |
| Travelers | Nationwide | The Hartford |
Medicare Insurance Partners
| Carrier | Carrier | Carrier |
|---|---|---|
| Aetna | Mutual of Omaha | Humana |
| UnitedHealthcare | Cigna | Anthem BCBS |
While this is an impressive list, it’s worth noting that thousands of independent agents across the country work with these same carriers. You can often find a local agent in your area who offers identical options with the added benefit of personalized, ongoing service.
Pros and Cons of Using SelectQuote
Every insurance brokerage has strengths and weaknesses. Here’s an honest breakdown of what SelectQuote does well and where they fall short.
What SelectQuote Does Well
SelectQuote represents many highly-rated insurance companies, giving you multiple options to compare. Their agents can shop your policy across all their carriers to find competitive rates for your situation. If you’re in good health and need straightforward coverage, SelectQuote can often get your policy issued quickly, sometimes on the same day.
The company offers most types of personal insurance under one roof. You can get quotes for life, health, auto, and home insurance without calling multiple companies. For people who want a one-stop shopping experience, this convenience has real value.
Where SelectQuote Falls Short
The call center model means you won’t develop an ongoing relationship with your agent. Once your policy is issued, you’ll likely never speak with that person again. If you have questions later, SelectQuote will refer you to the insurance carrier’s customer service department.
SelectQuote isn’t the best choice if you have health issues or a complicated medical history. Call center agents typically lack the expertise to navigate difficult underwriting situations. They’re trained to process straightforward applications efficiently, not to advocate for clients who need special consideration. If you fall into this category, consider reading our guide to life insurance for seniors or working with an independent agent who specializes in high-risk cases.
The company’s carrier selection, while solid, is actually more limited than what many independent agents offer. If your situation requires a specialized carrier or niche product, you may find better options elsewhere.
SelectQuote Customer Reviews and Ratings
Customer feedback for SelectQuote is mixed, which is common for large insurance brokerages. Here’s what the major review platforms show.
Trustpilot: 4.3 out of 5 stars based on 11,064 reviews. Most positive reviews praise the knowledgeable agents and smooth application process. Negative reviews often mention aggressive follow-up calls and lengthy approval times for some policies.
Better Business Bureau: A+ accredited rating, though customer reviews on the BBB site average just 1 star from 54 reviews. The A+ rating reflects their commitment to resolving complaints and meeting BBB standards, not customer satisfaction scores. This gap between accreditation and reviews is worth noting.
Yelp: Reviews on Yelp tend to skew more negative, with complaints about pushy sales tactics and difficulty reaching agents after the initial sale.
The pattern in reviews is clear: SelectQuote works well for healthy applicants seeking standard coverage. Customers with straightforward needs generally have positive experiences. Those with complications, whether health-related or otherwise, often express frustration with the call center approach.
How to Contact SelectQuote
If you want to reach SelectQuote directly, here’s their contact information:
Customer Service: (800) 577-2812
Department-Specific Lines:
- Life Insurance: (800) 670-3213
- Medicare: (800) 273-7987
- Auto & Home: (855) 226-2992
Email: [email protected]
Website: SelectQuote.com
Headquarters Address:
SelectQuote Insurance Services
6800 W 115th Street, Suite 2511
Overland Park, KS 66211
Frequently Asked Questions
Is SelectQuote a legitimate company?
Yes. SelectQuote has been in business since 1985 and is publicly traded on the NYSE under the symbol SLQT. They hold an A+ rating from the Better Business Bureau and have helped millions of families find insurance coverage.
Is SelectQuote free to use?
Yes. SelectQuote doesn’t charge consumers any fees. They earn commissions from insurance carriers when you purchase a policy. Your premium rates are the same whether you buy through SelectQuote or directly from the carrier.
Does SelectQuote sell life insurance directly?
No. SelectQuote is an insurance brokerage, not an insurance company. They connect you with carriers like Prudential, Protective Life, and United of Omaha who actually underwrite and service your policy.
What types of insurance does SelectQuote offer?
SelectQuote offers term life insurance, whole life insurance, Medicare plans, auto insurance, and home insurance. Their largest business is life insurance, which is what they’re best known for.
How does SelectQuote make money?
SelectQuote earns commissions from insurance companies when customers purchase policies through their service. These commissions are built into standard premium rates and don’t increase your cost.
Is SelectQuote good for people with health issues?
SelectQuote works best for healthy applicants seeking standard coverage. If you have significant health issues or a complicated medical history, you may get better results working with a local independent agent who can advocate for you during underwriting.
What is SelectQuote’s phone number?
The main customer service number is (800) 577-2812. For life insurance specifically, call (800) 670-3213. For Medicare, call (800) 273-7987.
Will I work with the same agent throughout the process?
Not necessarily. SelectQuote operates through call centers, so you may interact with different agents at various stages. After your policy is issued, customer service is handled by the insurance carrier, not SelectQuote.
What insurance companies does SelectQuote work with?
SelectQuote partners with major carriers including Prudential, Protective Life, Pacific Life, Banner Life, United of Omaha, Corebridge Financial, and others. They only work with companies rated “A” or higher by AM Best.
Are there better alternatives to SelectQuote?
SelectQuote is a solid option for straightforward insurance needs. Local independent agents offer similar carrier access with more personalized service. The best choice depends on your specific situation, health history, and how much guidance you need. Learn more in our senior life insurance guide.
Key Takeaways
- SelectQuote is legitimate with nearly 40 years in business, NYSE listing, and A+ BBB rating.
- Free to use since they earn commissions from carriers, not fees from you.
- Best for healthy applicants with straightforward coverage needs who want quick quotes.
- Not ideal for complex cases involving health issues or specialized underwriting needs.
- Post-sale support comes from the carrier, not SelectQuote, so don’t expect ongoing agent relationships.
Ready to Compare Your Options?
Whether you choose SelectQuote or work with an independent agent like us, the most important thing is finding the right coverage for your family. We work with many of the same carriers SelectQuote represents and can help you navigate even complicated situations.
