SelectQuote Whole Life Review (2026): vs Policygenius
Updated October 17, 2026
SelectQuote Whole Life Review (2026). SelectQuote is an insurance broker, not a life insurance company. It shops other carriers' policies and is paid by those carriers. Policygenius is the same kind of business: an independent marketplace with licensed agents, not an insurer. A broker comparison is not the policy contract.
For participating whole life, use whole life insurance quotes online and the key factors for a SelectQuote whole life policy as a checklist. The Policygenius whole life review stays on its own URL.
SelectQuote vs Policygenius
As of October 17, 2026. Sample premiums and review scores are below, each with the page that published it.
| SelectQuote | Policygenius | |
|---|---|---|
| How each broker works | Direct-to-consumer broker. Licensed agents shop a carrier panel. SelectQuote does not issue the policy. | Independent marketplace. You compare carriers in one place. Policygenius does not underwrite the policy. |
| Carriers compared | Two sources name the same primary life partners: Pacific Life, TruStage, and Mutual of Omaha (United of Omaha on the consumer carrier page). The July 2026 marketing table names more companies. That longer list is not reprinted. | Two Policygenius pages name Corebridge Financial, Legal & General America, Lincoln, Mutual of Omaha, Pacific Life, Principal, Protective, Prudential, SBLI, and Transamerica. Availability depends on the state. |
| Phone vs online | Both. The homepage points shoppers to a licensed agent by phone. The whole-life page, reviewed August 2026, says apply by phone or online. | Both. The about page says compare on screen or talk with a licensed agent. The quotes guide, updated October 15, 2026, says online or by phone. |
| Licensing | Licensed insurance producer in all 50 states, as of the FY2025 Form 10-K and the consumer FAQ. The 10-K also includes the District of Columbia. | Policygenius LLC (DBA Policygenius Insurance Services in California) publishes a license number for each state and the District of Columbia. The about page says a broker must be licensed in each state where it sells. |
| Who it fits | You want an agent to shop term, final expense, and the permanent quotes SelectQuote posts on its own site, and you may also want Medicare or auto and home from the same agency. | You want an on-screen comparison first, with a licensed agent available, across the life carriers named above. |
How SelectQuote works
SelectQuote dates the business to 1985. That year is on selectquote.com/about and in the FY2025 Form 10-K (year ended June 30, 2025, filed August 21, 2025). Headquarters in that 10-K, and in the consumer FAQ, are 6800 West 115th Street, Suite 2511, Overland Park, Kansas. The FAQ also lists other offices, including San Diego. San Diego is an office, not the headquarters.
The 10-K says SelectQuote does not insure the shopper and does not take premium revenue from the shopper. Carrier partners pay commissions. Does SelectQuote charge you a fee? SelectQuote's homepage FAQ, read October 17, 2026, says the quote is free and there is no obligation to buy. The same 10-K cover lists the common stock as SLQT on the New York Stock Exchange.
The Life segment in that 10-K is term life, final expense, and ancillary products such as critical illness, accidental death, and juvenile insurance. Primary life partners named for recent fiscal years are Mutual of Omaha, TruStage, and Pacific Life.
How Policygenius works
Policygenius launched in 2014. Its about page and Zinnia's April 25, 2023 announcement agree, and Reuters reported the same acquisition that day. The price was not disclosed, so it is not listed here. The about page says Policygenius is an independent agency, not owned by an insurer and not an owner of one. The homepage says it is a marketplace, not an insurance company. Both the about page and the disclosures page say the carrier commission is already in the premium, so the shopper does not pay Policygenius a separate broker fee. Both also say compensation can vary by insurer.
Whole life on a broker site
An older version of this review said SelectQuote does not sell whole life. That sentence is out of date.
SelectQuote's FAQ says it quotes term and permanent life. Its whole-life page, last reviewed August 2026, says agents compare whole-life quotes from carriers it represents, and that the application is by phone or online. The FY2025 10-K still describes Life in term and final-expense language. The premiums below are SelectQuote's own examples, not that filing. Read the illustration before you treat one as participating whole life from a mutual company.
Policygenius's quotes guide, updated October 15, 2026, says its agents can help compare term and permanent coverage. Its 2026 companies guide discusses whole life. The Policygenius prices below are that company's examples. They do not match SelectQuote's grid.
SelectQuote example whole life quotes
SelectQuote whole life page, rates updated August 2026, page last reviewed August 2026, read October 17, 2026. Monthly price for no-lapse guarantee whole life, excellent health. SelectQuote does not name a Preferred or Standard class on this table.
| Profile | $250,000 face | $500,000 face | $1,000,000 face |
|---|---|---|---|
| 25-year-old female | $64.17 | $113.17 | $193.01 |
| 25-year-old male | $68.55 | $130.42 | $235.44 |
| 35-year-old female | $90.79 | $152.14 | $266.54 |
| 35-year-old male | $102.71 | $180.99 | $324.21 |
| 45-year-old female | $123.02 | $219.00 | $395.24 |
| 45-year-old male | $144.80 | $250.42 | $484.71 |
| 55-year-old female | $170.09 | $328.23 | $601.99 |
| 55-year-old male | $209.00 | $389.79 | $723.43 |
Policygenius example quotes
These two Policygenius pages do not print the same whole-life price. Each figure is that page's own.
Policygenius life quotes guide, updated October 15, 2026, read October 17, 2026: a healthy 30-year-old non-smoker, sex not stated, about $26 a month for a 20-year $500,000 term policy and about $450 a month for whole life at the same face amount.
Policygenius whole life rates page, updated October 1, 2024, read October 17, 2026. The page's own lead line says a healthy 30-year-old pays $440 a month for a $500,000 whole life policy, as of October 2024. That sentence does not state sex or a named health class.
The same page's rate table, illustration valid October 1, 2024: MassMutual, Preferred Plus non-smoker, $500,000, paid up at age 100.
| Age | Sex | Health class | Face amount | Monthly premium |
|---|---|---|---|---|
| 30 | Female | Preferred Plus non-smoker | $500,000 | $408 |
| 30 | Male | Preferred Plus non-smoker | $500,000 | $472 |
The same Policygenius page, also valid October 1, 2024, prints a separate comparison: $26 a month for a 20-year $500,000 term policy (male and female non-smokers, Preferred class, a composite of carriers named on that page) and $451 a month for whole life (Preferred class, MassMutual, paid up at 100). That $451 is not the $408 or $472 Preferred Plus cell, it is not the lead line's $440, and it is not the October 15, 2026 guide's about $450.
Whole life versus term is the product difference. Whole life insurance quotes online is the quote path on this site.
What companies does SelectQuote compare?
As of October 17, 2026, two sources name the same primary life partners. The FY2025 Form 10-K (filed August 21, 2025) names Mutual of Omaha, TruStage, and Pacific Life. SelectQuote's life-insurance carrier page (A.M. Best column marked "Scores updated July 2026," page last reviewed September 2026) lists Pacific Life, TruStage, and United of Omaha. SelectQuote's United of Omaha carrier page and its United of Omaha overview both describe that company as part of Mutual of Omaha.
The 10-K says the life panel is larger than those three names. It does not print every partner. The July 2026 carrier page names additional companies and prints A.M. Best grades. A second source did not confirm that longer list or those grades on the same date, so neither is repeated here. Check the current panel on SelectQuote's carrier page before you apply.
SelectQuote's homepage and its FAQ both say the firm represents more than 50 carriers across life, auto, home, and Medicare, as of October 17, 2026. That figure is every product line. It is not a count of life companies only.
On the Policygenius side, the disclosures page and the help-center company list agree on Corebridge Financial, Legal & General America (the disclosures savings note says Legal & General), Lincoln (Lincoln Financial on the help list), Mutual of Omaha, Pacific Life, Principal, Protective, Prudential, SBLI, and Transamerica. Both pages say products are not available in every state. The life-carrier names those dual sources share with SelectQuote's dual sources are Pacific Life and Mutual of Omaha.
What do SelectQuote life insurance reviews cover?
SelectQuote life insurance reviews judge the broker, not one contract. The carrier named on the application issues the policy. A star score for the website does not tell you the premium, the cash value, or whether the product is term, final expense, or whole life.
Review scores do not agree, so each one is printed as that source published it. A star score is not the premium or the contract.
| Source | Score | As of |
|---|---|---|
| Trustpilot page for selectquote.com/life-insurance, 12,620 reviews. The page shows TrustScore 4.5. Its description line says "4-star rating." | 4.5 out of 5 | October 17, 2026 |
| Trustpilot page for policygenius.com, 5,926 reviews. The page shows TrustScore 4.5. Its description line says "4-star rating." | 4.5 out of 5 | October 17, 2026 |
| Policygenius life quotes guide, its own line "Rated 4.7 / 5 based on 5775 reviews" | 4.7 out of 5 | Guide updated October 15, 2026; read October 17, 2026 |
The same Policygenius quotes guide, updated October 15, 2026, prints its own insurer scores on that page: Banner Life 4.9 out of 5, MassMutual 4.9 out of 5, Lincoln Financial 4.8 out of 5, and Pacific Life 4.8 out of 5. Those are Policygenius scores for the insurers. They are not a score for SelectQuote, and they are not an A.M. Best or S&P grade.
SelectQuote's 50-state producer statement is in the FY2025 10-K. Policygenius publishes license numbers on its disclosures page.
The key factors checklist is a different page. This review does not replace it. The Policygenius whole life review is the page for that broker alone.
Sources
Read October 17, 2026, except the filing and announcement dates below.
- SelectQuote FY2025 Form 10-K, year ended June 30, 2025, filed August 21, 2025: SEC filing
- SelectQuote about page (1985): selectquote.com/about
- SelectQuote FAQ (Overland Park headquarters, 50-state license, term and permanent quotes, 50-plus carriers across lines): selectquote.com/faqs
- SelectQuote homepage FAQ (free quote, carrier commission, 50-plus carriers across lines): selectquote.com
- SelectQuote life carrier page (scores updated July 2026; reviewed September 2026): carrier list
- SelectQuote United of Omaha carrier page: United of Omaha
- SelectQuote United of Omaha overview (same Mutual of Omaha description): life.selectquote.com
- SelectQuote whole life page (reviewed August 2026): whole life quotes
- Policygenius about (2014, Zinnia in 2023, independent broker): policygenius.com/about
- Policygenius disclosures (state licenses and named carriers): disclosures
- Policygenius help-center company list: help
- Policygenius life quotes guide (updated October 15, 2026; about $26 and about $450; "Rated 4.7 / 5 based on 5775 reviews"; insurer scores 4.9 and 4.8): life insurance quotes
- Policygenius whole life rates (updated October 1, 2024; $440 lead line, $408 and $472 Preferred Plus, $26 and $451 comparison): whole life rates
- Trustpilot, selectquote.com/life-insurance, TrustScore 4.5 from 12,620 reviews, read October 17, 2026: SelectQuote reviews
- Trustpilot, policygenius.com, TrustScore 4.5 from 5,926 reviews, read October 17, 2026: Policygenius reviews
- Zinnia announcement, April 25, 2023: Business Wire
- Reuters, April 25, 2023: Policygenius acquisition
