Accordia Life vs. Nassau Life: Top Life Insurance in 2024
When comparing life insurance companies like Accordia Life vs. Nassau Life, you should focus on several factors. Accordia Life offers slightly more competitive rates to women of various ages whereas both companies offer comparable rates to men of various ages. Furthermore, Nassau Life is more well-reviewed than Accordia Life by the Better Business Bureau whereas Accordia Life is more well-reviewed than Nassau Life by A.M. Best.
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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: Mar 11, 2024
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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: Mar 11, 2024
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
- Accordia Life and Annuity Company and Nassau Life Insurance offer comparable rates to men of various ages
- Accordia Life offers slightly more competitive rates than Nassau Life (Phoenix Life) to women of various ages
- Nassau Life is more well-reviewed by the Better Business Bureau than Accordia Life
- Accordia Life is more well-reviewed by A.M. Best than Nassau Life
The whole process of comparing life insurance companies can be both a long and difficult one. We’re going to reduce the stress of this overwhelming process by focusing exclusively on Accordia Life vs. Nassau Life (formerly Phoenix Life Insurance).
If a medical exam is something holding you back from initiating a policy, know that Accordia Life is a no-medical-exam term life insurance company.
Before we dive into our Accordia Life vs. Nassau Life comparison, type your ZIP code into our free and helpful tool above to find affordable life insurance quotes in your area.
Accordia Life vs. Nassau Life: Which company offers more affordable rates to men?
When you begin comparing life insurance companies, you probably want to start with something that’s important to you. For the vast majority of people, that would be a company’s rates.
We’re going to take a look at a table that shows the rates for various forms of coverage (not every life insurance company offers the exact same kinds of coverage) offered to men of several different age ranges.
| 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 |
Is it easier to find affordable Accordia Life vs. Nassau Life insurance rates? As you can see, for men in their 30s, Accordia Life is over fifty cents per month cheaper than Nassau Life. For men in their 40s, Accordia Life is almost three dollars cheaper than Nassau Life (Phoenix Life Insurance Company) per month.
For men in their 50s, this disparity is reversed. In this category, Nassau Life is over four dollars cheaper per month than Accordia Life.
Finally, for men in their 50s, this trend reversal continues, as again Nassau Life is over four dollars cheaper per month than Accordia Life.
Considering the reversal we just witnessed halfway through the table and the fact that the disparity between the two companies is consistently slim, we can say that Accordia Life and Phoenix Life Insurance (Nassau RE) are tied in terms of rates offered to men of various ages.
Read more:
- Accordia Life vs. Prudential: Top Life Insurance
- Accordia Life vs. Sagicor: Top Life Insurance
- Accordia Life vs. SBLI: Top Life Insurance
- Accordia Life vs. State Farm: Top Life Insurance
- Accordia Life vs. Transamerica: Top Life Insurance
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Accordia Life vs. Nassau Life: Which company offers more affordable rates to women?
Next, let’s look at the rates offered to women of various ages by companies including Accordia Life Insurance and Nassau Life Insurance.
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 |
For women in their 30s, Accordia Life is less than one dollar cheaper per month than Nassau Life. For women in their 40s, Accordia Life is almost two dollars cheaper per month than Nassau Life.
Let’s see if this disparity continues or if we have a reversal situation like in the last section. For women in their 50s, Accordia Life is still cheaper than Nassau Life by just over two dollars.
Finally, for women in their 60s, Accordia Life becomes the more expensive company by nineteen cents.
So, while the disparity was very slim for each category, we can still say that Accordia Life offers more competitive rates than Nassau Life.
Before you decide to buy Accordia Life vs. Nassau Life insurance, let’s wrap up with company reviews and see if Accordia Life can eke out a win.
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Accordia Life vs. Nassau Life: Which company is more well-reviewed?
Besides comparing Accordia Life vs. Nassau Life insurance quotes, analyzing the importance of company ratings from organizations like A.M. Best and the Better Business Bureau (BBB) is important to figure out which company is best for you.
A favorable rating from one, or even both, of these two rating organizations can give consumers confidence that a particular life insurance company has and will continue to have financial stability.
The Better Business Bureau’s rating scale extends from the high end of “A+” down to the low end of “F.” As far as Accordia Life is concerned, it’s fairly good news. This company received the Better Business Bureau’s second-highest possible rating of “A.” With that being said, as of this time, Accordia Life does not hold BBB accreditation.
How did Nassau Life do with the Better Business Bureau? While it also does not hold BBB accreditation, it does have the highest possible rating of “A+.”
A.M. Best’s Financial Strength Rating (FSR) scale is slightly different in that it ranges from “A++” down to “D.” Not to mention, there are actually two different scales.
Accordia Life received an FSR of “A-” from A.M. Best. Did Nassau Life win again? It did not, as it holds a Financial Strength Rating of only “B+.”
A.M. Best also has what is called Long-Term Issuer Credit Ratings (Long-Term ICR). While the Financial Strength Ratings are about an insurer’s financial strength as well as its ability to meet ongoing policy and contractual obligations, a Long-Term ICR is focused on the future. A Long-Term ICR can be issued on a long-term basis or short-term basis.
This scale goes from the high end of “aaa” (Exceptional) down to the low end of “c.” It’s a little confusing, so the scale goes like this: “aaa,” “aa,” “a,” “bbb,” “bb,” “b,” “ccc,” “cc,” “c.” A company can also score notches in its ratings, i.e. “aa+.”
Accordia Life scored an A.M. Best Long-Term Issuer Credit Rating of “a”. What Long-Term ICR did Nassau Life receive? It received a rating of “bbb-,” so, a little lower than the score received by Accordia Life.
Now that you’ve finished this Accordia Life vs. Nassau Life review, type your ZIP code into our free and helpful tool below.
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.