Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 18, 2021

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The Brief

  • SBLI offers more affordable rates to men of various ages than Accordia Life
  • SBLI insurance is more well-reviewed than Accordia Life by both A.M. Best and the Better Business Bureau
  • SBLI offers more affordable rates to women of various ages than Accordia Life

Because you are here with us today, you are most likely in search of your next, or perhaps first, insurer. Because insurer comparison can prove to be a complicated process, today we are going to be focusing only on Accordia Life vs. SBLI.

If you would like to learn more about what Accordia Life and Annuity Company has to offer consumers, be sure to read our Accordia Life Insurance review.

Before we really dive in and begin our Accordia Life vs. SBLI comparison in full, type your ZIP code into our free and helpful tool above to find affordable life insurance quotes offered in your area.

Accordia Life vs. SBLI: Which offers better rates to males?

When you compare insurers, you almost certainly want to start with what is most important to you: pricing. Finding either affordable Accordia life insurance or affordable SBLI life insurance can only be done by comparison.

Let’s take a look at a table that compares not only Accordia Life and SBLI’s 20-year term life rates offered but the rates that are offered by all of the main life insurers to men in various age ranges.

Average Monthly 20-Year Term Life Insurance Rates by Company and Age (Males)
CompanyAge 30 Average Monthly RatesAge 40 Average Monthly RatesAge 50 Average Monthly RatesAge 60 Average Monthly Rates
Protective $13.12 $17.85 $41.50 $111.59
Banner $13.33 $19.26 $40.85 $111.13
AIG $13.54 $19.38 $42.73 $114.74
Foresters $13.56 $18.81 $42.66 $114.84
Lincoln$13.56 $18.38 $46.55 $190.53
Mutual of Omaha $13.56 $20.08 $46.55 $134.05
Principal $14.66 $19.03 $42.61 $110.03
SBLI $14.79 $21.67 $51.68 $147.70
Accordia Life $16.91 $23.36 $56.07 $153.53
Prudential  $20.34 $24.50 $45.50 $128.84
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As you can see, in terms of the average rates for men in their 30s, SBLI life insurance quotes are cheaper than Accordia life insurance quotes.

In terms of the average rates for men in their 40s, SBLI is again cheaper than Accordia Life and Prudential.

For men in their 50s, SBLI is cheaper than Accordia Life only. For this category, Accordia Life is the most expensive option, being over $5 more per month than SBLI.

In terms of men in their 60s, SBLI is still cheaper than Accordia Life (which is the second-most expensive company for this age) and Lincoln.

Let’s now move on and analyze rates offered by Accordia Life and SBLI for women. Keep in mind that if you would like to learn more about SBLI and their rates and discounts, many of which are as simple as typing in your SBLI login, you can read our SBLI Life Insurance company review.

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Accordia Life vs. SBLI: Which offers better rates to females?

We’re now going to look at a table similar to the one in the last section, though this time focusing on females of various ages.

Average Monthly 20-Year Term Life Insurance Rates by Company and Age (Females)
CompanyAge 30 Average Monthly RatesAge 40 Average Monthly RatesAge 50 Average Monthly RatesAge 60 Average Monthly Rates
Protective $11.83 $15.27 $31.18 $77.61
Banner $11.74 $15.67 $31.17 $78.83
AIG $11.81 $18.51 $35.59 $89.66
Foresters $12.47 $16.63 $31.94 $85.97
Lincoln$12.08 $16.14 $32.77 $160.13
Mutual of Omaha $12.64 $19.21 $36.05 $94.02
Principal $13.13 $16.63 $32.90 $77.92
SBLI $13.31 $18.99 $36.46 $90.37
Accordia Life $15.58 $20.69 $41.83 $101.24
Prudential $17.28 $22.53 $40.03 $89.25
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As you can see, for women in their 30s, SBLI life insurance rates are not only cheaper than Accordia life insurance rates, but Prudential’s as well. For women in their 40s, SBLI is cheaper than not only Accordia Life but also Mutual of Omaha and Prudential.

For women in their 50s, SBLI is cheaper than Accordia Life (by more than $5 a month) and Prudential. Finally, for women in their 60s, SBLI is over $10 a month cheaper than Accordia Life. SBLI is also cheaper than Lincoln and Mutual of Omaha.

So, in short, SBLI wins again. Let’s go ahead and wrap up with company ratings to see if SBLI wins again.

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Accordia Life vs. SBLI: Which is more well-reviewed?

One final aspect to analyze when comparing insurers is how the companies are reviewed by A.M. Best and the Better Business Bureau (BBB).

The Better Business Bureau’s rating scale has a range of A+ down to F. Accordia Life received the second-highest rating possible, which would be an A. With that being said, Accordia Life is not Better Business Bureau accredited at this time.

How did SBLI do with the Better Business Bureau? SBLI did better than Accordia Life when it comes to BBB ratings. It currently holds the highest rating possible of A+. Not only that, but SBLI is accredited, unlike Accordia Life.

A.M. Best’s rating scale is a little different. Their scale ranges from A++ down to D. Accordia Life received a rating of A- from A.M. Best. How did SBLI do with A.M. Best? SBLI did a little better, with a rating of A.

SBLI wins in terms of company ratings as well as in a general sense. Hopefully, this has clarified and simplified the procedure of insurer comparison for you.

Whether you want to buy Accordia life insurance, buy SBLI life insurance, or choose a different company altogether, we hope you’ve found what you’re looking for.

Now that you know more about Accordia Life vs. SBLI, type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.