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Choice Mutual Insurance Agency Review (2022)

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If you’re shopping for final expense insurance, Choice Mutual may be able to assist you. This young agency scours the marketplace to find quotes that meet your needs.

The average funeral can cost thousands of dollars, even for a simple burial, and your loved ones may have to shoulder that cost alone if you don’t have traditional or final expense life insurance in place.

Continue reading this Choice Mutual review to learn more about what this company has to offer and discover if Choice Mutual is the right company for you.

What is Choice Mutual Insurance?

Founded in 2013, the Choice Mutual Insurance Agency is licensed throughout the United States. Choice Mutual is an independent insurance agency. While you won’t be able to purchase a Choice life insurance policy, this agency can help you find policies that belong to other insurance companies.

For example, you can ask your Choice Mutual agent to help you find no exam final expense life insurance policies, and your agent will provide you quotes from a range of companies that meet your specifications.

Working with an independent agency can be quite beneficial for consumers who want some guidance while comparing quotes from multiple insurance companies.

You can hire Choice Mutual’s services free of charge. Instead of charging clients, the agency earns a living from the commissions received when a policy is sold.

If you have questions about Choice Mutual’s practices, you can call 1-800-644-2926 or send a message to [email protected] to obtain more information about this company.

What insurance coverage does Choice Mutual Insurance offer?

Choice Mutual only sells final expense insurance policies, but it does work with a vast network of companies so you can compare as many quotes as necessary before making a purchase.

When working with Choice Mutual Insurance, you could acquire quotes from companies like these:

  • Americo
  • Mutual of Omaha
  • Accendo Life Insurance Company (Aetna)
  • Foresters Financial
  • Royal Neighbors of America
  • Prosperity Life Group
  • American Amicable
  • Transamerica
  • American Home Life
  • Liberty Bankers Life
  • Baltimore Life
  • Guarantee Trust Life
  • Columbian Financial Group
  • Continental Life Insurance Company (Aetna)
  • AIG
  • Gerber Life
  • Great Western
  • Nationwide

As you can see, you will have access to a myriad of highly regarded insurance companies when you shop through Choice Mutual.

Are Choice Mutual insurance rates affordable?

Sample rates aren’t provided on the Choice Mutual website, but you can use Choice Mutual’s online quote tool to request free quotes. Now, if you’re shopping for life insurance for seniors, you can use this data table to determine what you may pay for insurance:

Coverage AmountCompanyPrice (monthly)Price (annually)
$25,000Transamerica$12.04$140.00
$50,000Sagicor$19.70$218.90
$100,000Foresters$23.01$263.00
$250,000Banner$47.64$553.99
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Thankfully, working with Choice Mutual will allow you to compare rates from multiple quotes at once, so you can verify that you are receiving the best deal possible.

Is Choice Mutual highly rated?

Choice Mutual is a Better Business Bureau (BBB) accredited business, and this company earned an A+ rating from the BBB. Currently, Choice Mutual has no negative reviews on the BBB site either.

This high rating and lack of negative reviews is a reassuring sign that you can expect to receive top-notch customer service when employing a Choice Mutual representative.

Who should buy final expense life insurance?

Final expense insurance, sometimes known as burial insurance or a funeral insurance plan, could be a good fit for seniors or individuals who don’t have a traditional life insurance policy.

The costs for a funeral or memorial service can add up quickly, and your loved ones could be faced with a large bill if money hasn’t been set aside for such arrangements.

A final expense life insurance policy can help you provide your loved ones with the funds necessary to prepare your end of life arrangements, so they don’t have to shoulder such a heavy financial burden alone.

Are there other types of life insurance?

Final expense insurance isn’t the only type of life insurance on the market. There are three other types of insurance for you to choose from. These include:

  • Term life
  • Whole life
  • Universal life

Term life insurance tends to be the least expensive of the three options, as it only lasts for a certain number of years. Below, you can see how inexpensive rates for term insurance can be:

Cheap 10 Year Term Life Insurance Quotes Female

 $25,000$50.000$100,000$250,000
20 Year Old$5.35$6.83$6.84$8.55
25 Year Old$5.61$6.83$6.84$8.55
30 Year Old$5.33$6.83$6.84$8.73
35 Year Old$5.42$7.26$6.88$8.94
40 Year Old$6.36$7.92$7.89$10.81
45 Year Old$7.53$8.96$9.91$15.16
50 Year Old$8.70$11.21$12.56$20.34
55 Year Old$10.31$14.53$15.49$29.26
60 Year Old$12.75$18.37$23.26$41.91
65 Year Old$17.01$26.90$33.26$66.48
70 Year Old$22.58$39.06$55.48$107.62
75 Year Old$37.21$68.34$96.25$217.73
80 Year Old$176.49$250.69$195.21$478.84
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Quotes are for a healthy non-tobacco female. Subject to change.

Whole and universal life policies typically cost more because these policies will remain in effect as long as you live and make your payments on time.

What You Need to Know About Choice Mutual

Choice Mutual is an independent agency that sells policies belonging to other insurance companies. If you would like some guidance while sifting through final insurance quotes, Choice Mutual can help you find the best policy for you, free of charge.

Since Choice Mutual only helps consumers find final expense products, you will need to shop online if you are seeking other types of life insurance policies. Shopping online is an efficient way to find the best policy for your needs.

Author:

Laura Berry

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