Accordia Life vs. MassMutual: Top Life Insurance in 2024
When comparing insurers like Accordia Life vs. MassMutual, it's for the best that you not only analyze company pricing but company ratings as well. MassMutual offers cheaper rates to both men and women of various ages. MassMutual is also more well-reviewed by A.M. Best whereas Accordia Life is more well-reviewed by the Better Business Bureau.
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Leslie Kasperowicz
Farmers CSR for 4 Years
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...
Farmers CSR for 4 Years
UPDATED: Dec 4, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Dec 4, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- MassMutual offers more competitive rates to men
- Mass Mutual offers more competitive rates to women
- MassMutual is more well-reviewed than Accordia Life by A.M. Best
- Accordia Life Insurance is more well-reviewed than MassMutual by the Better Business Bureau
The process of comparing insurance companies can be an elongated and tedious one. For the sake of simplicity, we’re going to be focusing exclusively on Accordia Life vs. MassMutual.
If you’d like to learn more about what companies like Accordia Life and Annuity Company have to offer their customers, such as no-medical-exam life insurance, read on.
Before you start this Accordia Life vs. MassMutual review, type your ZIP code into our free and helpful tool above to find affordable life insurance rates in your area.
Accordia Life vs. MassMutual: Which company offers better rates to men?
When you begin comparing life insurance companies, you probably want to start with something that is important. For the vast majority of people, that’s a company’s pricing.
Let’s take a look at a table that compares Accordia Life vs. MassMutual life insurance rates and rates for most of the biggest insurers.
Sample Average Monthly Life Insurance Rates by Company and Product for Men| Companies | Product | Male Age: 30 Average Monthly Rates | Male Age: 35 Average Monthly Rates | Male Age: 40 Average Monthly Rates | Male Age: 45 Average Monthly Rates | Male Age: 50 Average Monthly Rates | Male Age: 55 Average Monthly Rates | Male Age: 60 Average Monthly Rates | Male Age: 65 Average Monthly Rates | Male Age: 70 Average Monthly Rates | Male Age: 75 Average Monthly Rates | Male Age: 80 Average Monthly Rates |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AIG | Term life | > $27 | N/A | N/A | N/A | >$30 | $29.45 | $32.58 | $43.08 | $50.49 | $70.28 | $124.22 |
| Accordia Life | Term Life | $16.91 | N/A | $23.36 | N/A | $56.07 | N/A | $128.84 | N/A | N/A | N/A | N/A |
| ANICO | Signature Term | $12.53 | $12.96 | $15.98 | $22.68 | $31.75 | $47.30 | $76.25 | $132.19 | $227.88 | NA | NA |
| Assurity | Term Life | $16.31 | $16.31 | $21.32 | $28.49 | $43.07 | $62.64 | $100.05 | $153.99 | $245.78 | $465.67 | NA |
| Banner | OPTerm | $12.68 | $13.33 | $17.71 | $22.10 | $32.90 | $45.99 | $73.81 | $123.03 | $211.06 | $399.22 | NA |
| Cincinnat | Termsetter | $13.42 | $14.96 | $18.70 | $22.88 | $32.56 | $49.50 | $78.98 | $140.36 | $257.40 | $456.94 | NA |
| Fidelity Life | Term Life | $19.14 | NA | $25.01 | NA | $54.59 | NA | $73.92 | NA | NA | NA | NA |
| John Hancock | Vitality Term | $14.09 | $14.24 | $16.96 | $22.14 | $28.41 | $43.04 | $68.14 | $117.04 | $245.79 | $455.46 | $849.79 |
| Liberty Mutual | Term Life | $33.75 | NA | $55.13 | NA | $144.68 | NA | $399.83 | NA | NA | NA | NA |
| Lincoln National | Term Accel | $12.34 | $12.63 | $15.22 | $21.84 | $30.96 | $46.75 | $71.95 | NA | NA | NA | NA |
| MassMutual | Vantage Term | $13.28 | $13.48 | $16.98 | $24.58 | $35.03 | $53.50 | $82.65 | $147.03 | $256.00 | $478.08 | NA |
| Minnesota Life | Advantage Elite | $13.46 | $13.99 | $17.95 | $25.87 | $36.56 | NA | NA | NA | NA | NA | NA |
| Mutual of Omaha | Term Life Answers | $13.33 | $14.19 | $19.35 | $23.22 | $33.33 | $50.31 | $80.84 | $148.35 | $274.13 | $525.68 | $908.38 |
| Nassau Life | Term Life | $17.43 | NA | $26.15 | NA | $51.69 | NA | $119.78 | NA | NA | NA | NA |
| Nationwide | YourLife | $13.56 | $13.56 | $16.41 | $22.97 | $32.59 | $47.91 | $86.41 | $152.03 | $260.97 | NA | NA |
| North American | ADDvantage | $12.98 | $13.20 | $16.50 | $22.88 | $31.90 | $48.40 | $77.44 | $133.98 | NA | NA | NA |
| Pacific Life | Promise Term | $12.32 | $12.32 | $15.59 | $21.85 | $30.09 | $45.46 | $69.89 | $123.04 | $211.07 | $399.24 | $874.22 |
| Principal | Term Insurance | $12.69 | $12.69 | $15.80 | $23.05 | $31.15 | $45.65 | $71.97 | $126.66 | $217.44 | $410.99 | $902.78 |
| Protective | Classic Choice | $11.62 | $11.83 | $14.78 | $21.32 | $30.07 | $45.47 | $69.90 | $124.33 | $211.07 | $399.24 | NA |
| Protective | Custom Choice UL | $11.87 | $12.08 | $15.10 | $21.77 | $31.46 | $47.82 | $73.23 | $131.78 | NA | NA | NA |
| Prudential | Term Essentials | $21.88 | $21.88 | $25.60 | $28.66 | $38.07 | $50.75 | $79.41 | $142.85 | $259.88 | $508.82 | NA |
| Sagicor | Accelerwriting Term | $12.60 | $12.75 | $17.07 | $22.27 | $43.59 | $65.49 | $103.05 | $172.65 | $313.06 | $510.40 | NA |
| SBLI | Level Term | $11.80 | $12.07 | $14.53 | $20.96 | $31.88 | $48.12 | $75.61 | $129.70 | $225.74 | NA | NA |
| Symetra | Term 3.0 | $12.91 | $12.91 | $16.19 | $23.84 | $33.21 | $51.54 | $83.77 | $140.57 | $239.27 | $440.78 | $969.72 |
| Transamerica | Trendsetter Super | $12.47 | $13.33 | $18.71 | $24.30 | $37.41 | $55.90 | $86.86 | $161.04 | $221.67 | $410.65 | $884.51 |
| Transamerica | Trendsetter LB | $13.33 | $14.62 | $20.21 | $27.09 | $40.21 | $64.29 | $101.91 | $176.30 | $302.94 | $490.63 | $1072.64 |
Now that you’ve seen affordable Accordia Life vs. MassMutual life insurance quotes, you can see that for men in their 30s MassMutual is over three dollars cheaper per month than Accordia Life. For men in their 40s, Accordia Life is over six dollars more expensive per month than MassMutual.
For men in their 50s, there’s quite a jump as MassMutual is over 21 dollars cheaper per month than Accordia Life. Finally, for men in their 60s, Accordia Life is a whopping 46 dollars more expensive per month than MassMutual.
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Accordia Life vs. MassMutual: Which company offers better rates to women?
We’re now going to do the same thing we did in the last section, though now we’ll be comparing rates offered to women.
Sample Average Monthly Life Insurance Rates by Company and Product for Women| Companies | Product | Female Age: 30 Average Monthly Rates | Female Age: 35 Average Monthly Rates | Female Age: 40 Average Monthly Rates | Female Age: 45 Average Monthly Rates | Female Age: 50 Average Monthly Rates | Female Age: 55 Average Monthly Rates | Female Age: 60 Average Monthly Rates | Female Age: 65 Average Monthly Rates | Female Age: 70 Average Monthly Rates | Female Age: 75 Average Monthly Rates | Female Age: 80 Average Monthly Rates |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Accordia Life | Term Life | $15.58 | N/A | $20.69 | N/A | $40.03 | N/A | $89.25 | N/A | N/A | N/A | N/A |
| AIG | Select-A-Term | $11.07 | $11.54 | $15.19 | $20.23 | $27.41 | $38.05 | $56.86 | $94.95 | $165.86 | $273.97 | $640.78 |
| ANICO | Signature Term | $11.88 | $12.53 | $14.90 | $19.87 | $27.22 | $37.15 | $55.94 | $84.67 | $147.96 | N/A | N/A |
| Assurity | Term Life | $11.09 | $13.92 | $17.84 | $23.06 | $34.15 | $49.37 | $72.65 | $112.88 | $182.05 | $336.47 | N/A |
| Banner | OPTerm | $10.37 | $11.93 | $14.62 | $19.09 | $27.30 | $40.63 | $63.64 | $118.47 | $191.71 | $357.33 | N/A |
| Cincinnati | Termsetter | $12.98 | $14.96 | $16.72 | $20.46 | $27.28 | $38.06 | $56.76 | $91.74 | $154.44 | $306.46 | N/A |
| Fidelity Life | Term Life | $16.10 | N/A | $22.62 | N/A | $45.68 | N/A | $58.32 | N/A | N/A | N/A | N/A |
| John Hancock | Vitality Term | $12.39 | $12.61 | $14.86 | $20.09 | $23.86 | $37.73 | $50.94 | $83.61 | $176.04 | $369.26 | $843.44 |
| Liberty Mutual | Term Accel | $10.51 | $11.05 | $13.70 | $18.93 | $25.86 | $35.44 | $51.35 | N/A | N/A | N/A | N/A |
| Lincoln National | LifeElements | $16.10 | $16.63 | $21.22 | $28.22 | $37.41 | $50.75 | $74.81 | $112.44 | $199.06 | $371.83 | $655.77 |
| MassMutual | Vantage Term | $11.98 | $12.63 | $15.23 | $21.98 | $29.15 | $40.25 | $58.73 | $92.45 | $151.38 | $318.85 | NA |
| Minnesota Life | Advantage Elite | $12.67 | $12.67 | $16.10 | $23.23 | $30.89 | NA | NA | NA | NA | NA | NA |
| Mutual of Omaha | Term Life Answers | $11.61 | $12.90 | $16.56 | $20.21 | $27.31 | $38.27 | $57.19 | $98.47 | $169.42 | $365.50 | $704.13 |
| Nassau Life | Term Life | $16.14 | NA | $22.52 | NA | $42.11 | NA | $89.06 | NA | NA | NA | NA |
| Nationwide | YourLife | $13.34 | $13.34 | $16.19 | $20.13 | $27.13 | $37.19 | $61.69 | $95.16 | $153.56 | NA | NA |
| North American | ADDvantage | $11.66 | $12.10 | $14.96 | $20.02 | $26.62 | $37.62 | $54.34 | $85.80 | $138.82 | $281.60 | NA |
| Pacific Life | Promise Term | $10.82 | $11.47 | $14.24 | $19.10 | $25.16 | $34.42 | $49.88 | $80.43 | $131.35 | $270.85 | $637.03 |
| Principal | Term Insurance | $11.27 | $11.33 | $14.39 | $19.43 | $25.94 | $35.48 | $51.41 | $79.28 | $128.06 | $272.34 | $655.16 |
| Protective | Classic Choice | $10.43 | $10.78 | $13.31 | $18.64 | $25.12 | $34.43 | $49.88 | $80.43 | $131.36 | $270.86 | NA |
| Protective | Custom Choice UL | $10.79 | $11.01 | $13.59 | $19.62 | $26.29 | $35.77 | $52.26 | $82.27 | $134.16 | $284.43 | NA |
| Prudential | Term Essentials | $17.72 | $18.16 | $21.22 | $28.22 | $37.63 | $41.35 | $59.07 | $94.72 | $159.03 | $309.32 | NA |
| Sagicor | Accelerwriting Term | $10.95 | $11.22 | $15.10 | $20.43 | $36.75 | $48.64 | $63.78 | $108.79 | $212.88 | $366.31 | NA |
| SBLI | Level Term | $10.38 | $10.65 | $13.08 | $18.85 | $26.72 | $36.34 | $53.85 | $90.13 | $161.65 | NA | NA |
| Symetra | Term 3.0 | $11.81 | $11.81 | $14.39 | $19.91 | $25.94 | $38.06 | $52.97 | $85.97 | $138.25 | $273.88 | $692.34 |
| Transamerica | Trendsetter Super | $11.18 | $12.26 | $16.34 | $20.86 | $29.89 | $47.09 | $71.81 | $130.94 | $207.05 | $312.18 | $750.14 |
| Transamerica | Trendsetter LB | $12.26 | $13.12 | $17.63 | $22.36 | $32.25 | $49.24 | $81.06 | $143.62 | $241.33 | $389.37 | $887.74 |
As you can see, for women in their 30s, Accordia Life is over three dollars per month more expensive than MassMutual. For women in their 40s, MassMutual is over five dollars cheaper per month.
Let’s see if the disparity keeps growing. For women in their 50s, Accordia Life is almost 11 dollars more expensive per month than MassMutual. Finally, for women in their 60s, MassMutual is a whopping 30 dollars cheaper per month than Accordia Life.
In short, it’s safe to say that MassMutual wins in terms of offered pricing to women as well as men. Let’s go ahead and wrap up with how these two companies are rated. If you’d like to learn more about MassMutual, be sure to read our Massmutual Life Insurance review.
We can’t promise you’ll learn all about MassMutual Retiresmart (the MassMutual retirement program) or a MassMutual 401(k), but the article will get you where you need to go. You’ll learn about rates and discounts, many of which are as simple as typing in your MassMutual login.
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Accordia Life vs. MassMutual: Which company is more well-reviewed?
One final thing to really keep your eye out for when it comes to comparing insurers is how they are rated by organizations such as A.M. Best and the Better Business Bureau.
Company ratings from these organizations are absolutely critical to a company’s potential level of success because these ratings inform the consumer whether or not a life insurance company is financially safe into the foreseeable future.
The Better Business Bureau’s rating scale goes from their highest rating, “A+,” down to their lowest rating, “F.” All in all, it’s fair news for Accordia Life as they received the Better Business Bureau’s second-highest rating of “A.” With that being said, Accordia Life is not Better Business Bureau accredited as of this time.
How did MassMutual do with the BBB? The Better Business Bureau gave MassMutual a “B-,” which is, of course, lower than the rating given to Accordia Life. MassMutual is also not BBB accredited as of this time.
A.M. Best’s rating system is a little different from the Better Business Bureau’s in that it 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 MassMutual do? A.M. Best gave MassMutual the best possible rating of “A++.”
So, Accordia Life wins in terms of the BBB and MassMutual wins in terms of A.M. Best. Deciding to buy Accordia Life vs. MassMutual life insurance based on ratings can be tricky; in short, you have two excellent choices here.
Now that you’ve finished this Accordia Life vs. MassMutual, type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.
Your one-stop online guide for life insurance quotes. Get free quotes now!
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Leslie Kasperowicz
Farmers CSR for 4 Years
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...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.