Sara Routhier, Managing Editor and Outreach Director, 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 world o...

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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: Apr 29, 2021

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The Brief

  • Transamerica offers better rates than Accordia Life to men of almost all ages
  • Transamerica offers better rates than Accordia Life to women of all ages
  • Transamerica and Accordia Life are comparably rated by A.M. Best and the Better Business Bureau

The process of insurer comparison can prove itself to be a difficult one, so today we are going to be focusing exclusively on Accordia Life vs. Transamerica. Finding affordable Accordia life insurance or affordable Transamerica life insurance is possible if you know how to compare.

Should you wish to learn more about what Accordia Life and Annuity Company has to offer their clientele, be sure to read our Accordia Life Insurance review.

Before learning more about Accordia Life vs. Transamerica, be sure to type your ZIP code into our free and helpful tool above to find affordable life insurance quotes in your area.

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

When you begin the process of insurer comparison, you probably want to start with pricing. Let’s take a look at a table that will show the rates offered to men of various ages by Accordia Life and Transamerica for a $100,000 life insurance policy.

These rates are for a man of average height, 175 pounds, above-average health, no tobacco usage for over two years, and a good driving record. The policy is a 20-year, $100,000 Term Life Policy.

Accordia Life vs. Transamerica 20-Year Term Life Insurance Monthly Rates (Males)
Age (Male)Accordia Life Average Monthly RatesTransamerica Average Monthly Rates
Age 30$16.91$12.56
Age 40$23.36$16.86
Age 50$56.07$28.76
Age 60 $153.53$61.49
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As you can see, for men in their 30s, 40s, 50s, and 60s, Transamerica life insurance quotes are cheaper almost across the board. For men in their 30s, Transamerica is a little over one dollar cheaper per month.

For men in their 40s, Transamerica is 38 cents more expensive per month. For men in their 50s, Transamerica is about $15 cheaper per month. Finally, for men in their 60s, Transamerica is about $60 cheaper per month.

So, in terms of rates for men, Transamerica wins. Let’s see if this holds true for rates offered to women of various ages.

First, though, if you’d like to learn more about Transamerica, be sure to read our Transamerica Life Insurance company review. Learn about discounts, which can be as simple as typing in your Transamerica login. You may just even be able to learn about Transamerica retirement or a Transamerica 401(k).

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

We are now going to do the same thing but for the rates offered by Accordia Life and Transamerica to women of various ages for a 20-year, $100,000 Term Life Insurance Policy.

These rates are for women of average height, average weight, above-average health, no tobacco usage for a period exceeding two years, and a good driving record. The policy is, again, a 20-year $100,000 Term Life Policy.

Accordia Life vs. Transamerica 20-Year Term Life Insurance Monthly Rates (Females)
Age (Female)Accordia Life Average Monthly RatesTransamerica Average Monthly Rates
Age 30$16.91$15.31
Age 40$23.36$20.47
Age 50$56.07$34.31
Age 60$153.53$82.73
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As you can see, Transamerica is slightly cheaper for women in their 30s. Transamerica is about three dollars cheaper per month for women in their 40s. For women in their 50s, Transamerica is about $22 cheaper per month. For women in their 60s, Transamerica is a little over half the price of monthly Accordia life insurance quotes.

So, yet again, Transamerica wins. Let’s wrap up with company ratings and see if it’s a three for three.

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

Accordia life insurance rates and Transamerica life insurance rates are important, but their ratings are important, too.

One final aspect to analyze before making your decision on what insurer to choose is how these companies are rated by A.M. Best and the Better Business Bureau (BBB).

The Better Business Bureau’s rating scale extends from a high of A+ down to a low of F. Accordia Life received the BBB’s second-highest possible rating, A. As of this time, Accordia Life is not currently accredited by the Better Business Bureau.

So, how did Transamerica do with the BBB? Oddly enough, as of this point, not only do they not hold accreditation, they don’t even hold a rating from the Better Business Bureau.

A.M. Best’s rating scale is a little different. They have a scale that ranges from the high end of A++ down to the low end of D. Accordia Life received a rating of A- from A.M. Best.

How did Transamerica do with A.M. Best? It received a rating of A, so slightly higher than Accordia Life.

All in all, Transamerica wins in terms of pricing, but we’re going to have to call it a tie in terms of company ratings. Essentially, you have two fine choices here.

Whether you want to buy Accordia life insurance, buy Transamerica life insurance, or want to keep searching for other life insurance companies, we hope you’ve learned what you needed to today.

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