SelectQuote Life Insurance Overview
By the Policy Help Desk Editorial Team · 2 min read
Updated September 30, 2026
SelectQuote is an independent insurance agency and comparison service. It does not issue life insurance policies: it quotes coverage from the insurers it works with and helps an applicant compare and apply.
SelectQuote is an independent insurance agency. It does not issue the life insurance policies discussed on this page — the issuing company named in your policy does.
Talk Through These Options
Call and a licensed agent can explain how these products work, what an application asks for and what happens after you apply. No obligation to enroll.
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(866) 673-3495Key Takeaways
- •SelectQuote is an agency, not an insurer. The policies it quotes are issued by the insurance companies it works with.
- •It quotes several life insurance categories: term, permanent, guaranteed issue, final expense and no-medical-exam coverage.
- •The issuing insurer makes the underwriting decision and sets the premium, based on the application it receives.
- •Guaranteed issue and no-medical-exam are different categories: guaranteed issue skips health questions, while no-exam coverage still asks them.
Life-Insurance Options to Compare
Term life insurance
Coverage for a set number of years, quoted from the insurers the agency works with. It builds no cash value.
Permanent life insurance
Whole life and similar permanent coverage, quoted through partner insurers, with level premiums and cash value.
Guaranteed issue life insurance
Coverage issued without health questions, typically with a smaller face amount and a graded benefit period.
Final expense insurance
A small permanent policy intended to cover funeral costs and other final expenses.
No-medical-exam life insurance
Coverage underwritten from health questions and other information instead of a medical exam.
These are the product lines the independent insurance agency publishes. This is an overview, not an offer or a policy illustration — actual terms, availability and eligibility come from the issuing company and the policy itself.
What to Consider
Guaranteed issue
Guaranteed issue coverage is issued without health questions; the issuing insurer's policy sets the coverage amount and any graded benefit period.
No-medical-exam coverage
No exam does not mean guaranteed acceptance. The insurer still asks health questions and can decline or adjust the offer.
Term life insurance
Coverage lasts for the selected term; renewal or conversion options depend on the policy.
Comparing quotes
The agency does not underwrite, so the terms that matter — renewability, convertibility, riders and exclusions — come from the issuing insurer's policy and should be compared there.
Questions Before You Apply?
A licensed agent can walk through eligibility, timing and what a policy does and does not cover before you decide.
Or call us directly
(866) 673-3495Frequently Asked Questions
Does SelectQuote issue life insurance policies?
No. It is an independent agency and comparison service. The coverage is issued by the insurance companies it works with, and those insurers set the terms.
Who decides whether I am approved?
The issuing insurance company, based on the application it receives. A quote or a completed form is not an approval.
Is a no-exam policy the same as guaranteed issue?
No. A no-exam policy is still underwritten, usually from health questions. Guaranteed issue coverage is issued without health questions, with smaller face amounts and a graded benefit period.
Ready to Compare Your Options?
Call now or request options and a licensed agent will follow up. Free service, no obligation to enroll.
Or call us directly
(866) 673-3495Who You Are Calling
Policy Help Desk is operated by Greystone Insurance Group LLC, a licensed Florida insurance agency (License #L132255). Calls may be handled by Greystone Insurance Group LLC or by a licensed independent insurance agent who can discuss available coverage options.
The number on this page is Policy Help Desk's own contact number. Policy Help Desk is not SelectQuote's customer-service department. Availability of that company's products through the agent handling your inquiry depends on that agent's appointments, the product and your state.
Being included in this overview is not an endorsement of the company or its products by Policy Help Desk. Facts come from the sources listed above and were last verified September 30, 2026; they can change. Nothing here is an offer of insurance, a quote, or a statement that any applicant will qualify for coverage.