Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Mar 29, 2021

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The Facts of Life

  • MassMutual has better financial strength ratings than Accordia Life
  • MassMutual has lower rates than Accordia Life
  • Both providers offer permanent and term life policies

Accordia Life and MassMutual offer permanent and term life insurance options. MassMutual (sometimes seen as Mass Mutual) has lower rates than Accordia Life and offers simplified issue life insurance. Comparing Accordia Life vs. MassMutual will help you determine the company that best meets your needs.

For information on companies other than Accordia Life and MassMutual, enter your ZIP code to discover the best life insurance quotes in your area.

Accordia Life vs. MassMutual: What are their monthly rates?

Accordia Life insurance rates and MassMutual life insurance rates are lower than most competitors. The following charts show the monthly rates for these two companies.

Accordia Life vs. MassMutual: Male 20-Year Term $250,000 Policy Monthly Rates by Age
AgeAccordia Life Average Monthly RatesMassMutual Average Monthly Rates
Age 30$16.91$13.28
Age 40$23.36$16.98
Age 50$56.07$35.03
Age 60$128.84$82.65
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The following chart has the same information for females.

Accordia Life vs. MassMutual: Female 20-Year Term $250,000 Policy Monthly Rates by Age
AgeAccordia Life Average Monthly RatesMassMutual Average Monthly Rates
Age 30$15.58$11.98
Age 40$20.69$15.23
Age 50$40.03$29.15
Age 60$89.25$58.73
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As you can see, MassMutual’s monthly rates are lower than Accordia Life and female rates are lower than male rates.

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Accordia Life vs. MassMutual: What are their financial ratings?

The financial strength of life insurance providers is determined by the most trusted credit rating agencies. The ratings establish the likelihood that a provider will be able to provide a payout. Accordia Life and MassMutual have been rated by the most trusted rating agencies.

Accordia Life has been rated an “A” by A.M. Best and Fitch, an “A-” by S&P, and an “A3” by Moody’s. These are all considered strong ratings, though not at the top of the scale. The ratings determine that Accordia Life will usually be able to provide a payout but might have difficulty in certain situations.

MassMutual has received an “A++” by A.M. Best, an “AA+” by S&P, an “AA” by Fitch, and an “Aa3” by Moody’s. These ratings show that MassMutual will be able to provide a payout, even during the most difficult economic times.

Accordia Life vs. MassMutual: Do they have any complaints?

The Better Business Bureau (BBB) and National Association of Insurance Commissioners (NAIC) allow customers to list complaints about life insurance companies. The organizations have received complaints about Accordia Life and MassMutual.

At the time of this comparison, the BBB has received 42 complaints about Accordia Life. The company has a complaint index of 3.68 according to the NAIC, higher than the national average of 1.00. This shows that Accordia Life has more than the average number of complaints about a company of its size.

The BBB has received 45 complaints about MassMutual over the past three years. While this number seems high, the provider has a complaint index of 0.07. This means that MassMutual has a much lower number of complaints than average for a company of its size.

Accordia Life vs. MassMutual: What policies do they offer?

Accordia Life and MassMutual offer term life, universal life, and whole life insurance policies. Comparing the specifics of the policies will help you determine which company is right for you.

Accordia Life has term life options that range from 10- to 30-year terms. The minimum value of its term life options is $50,000, lower than most of its competitors. The company doesn’t provide a simplified issue option so customers might require a medical exam for approval.

In addition to its term life options, Accordia Life also offers whole life, universal life, and indexed universal life insurance.

Whole life insurance has fixed rates that remain the same throughout the policy. Universal life has flexible rates that can be adjusted and indexed universal life rates depend on popular stock indexes.

MassMutual offers two different types of term life insurance. These policies range from 10- to 30-year terms and start at $100,000 in value.

The provider’s traditional term life plan can reach up to $10 million in value but might require a medical exam. The Direct Term option allows for quicker approval without a medical exam, but the maximum value is only $3 million because of the increased risk.

MassMutual also offers whole life and universal life coverage. The company offers 10 different universal life policies that range from $25,000 to $100,000 in value. These policies are available for customers up to 90 years of age.

The provider offers three different types of universal life coverage.

In addition to traditional universal life, it also offers survivorship and variable universal life. Survivorship universal life covers two people providing a death benefit when both have passed away. Variable universal life has a cash value that can be invested in a separate account.

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Accordia Life vs. MassMutual: What riders do they offer?

Riders are options that can be added to an existing life insurance policy. These options are either automatically included or can be added for an additional premium. Accordia Life and MassMutual offer a variety of riders.

Both Accordia Life and MassMutual include the accelerated death benefits rider with their universal life offerings free of charge. This rider allows policyholders access to their death benefit before death if they suffer from a critical, chronic, or terminal illness.

Accordia Life also offers optional riders that can be added for an additional premium. Optional riders offered by Accordia Life include:

  • Primary insured
  • Additional insured
  • Guaranteed purchase options
  • Children’s insurance
  • Accidental death benefit
  • Waiver of monthly deduction
  • Waiver of a specified premium

Optional riders offered by MassMutual include:

  • Extended conversion period (ECP)
  • Life insurance supplement
  • Long term care access or accelerated benefit
  • Renewable term
  • Guaranteed insurability
  • Yearly term purchase
  • Disability waiver of a premium
  • Waiver of a premium on the death of insured

Accordia Life and MassMutual offer more riders than most competitors, allowing customers to customize their policies.

Accordia Life vs. MassMutual: How do you apply?

Accordia Life allows customers to apply for coverage and receive approval online or by phone. If a customer needs assistance while applying online, they can call customer service for further assistance from a representative.

MassMutual only allows online applications for its Direct Term policies. All other applications can be completed by contacting an agent. Once approved, customers can use their MassMutual login to make changes or payments for any policy online.

Accordia Life vs. MassMutual: What are their pros and cons?

Considering a life insurance provider’s positive and negative aspects will help to determine if it’s the right option for you. Accordia Life and MassMutual have multiple pros and cons that should be considered when deciding between the two companies.

The positives of choosing Accordia Life include its variety of policy choices, number of riders, and financial strength. The policy options give customers a greater chance of finding a policy that fits them and the financial strength ensures that they’ll receive a payout when they file a claim.

While Accordia Life has been rated highly by credit rating agencies, it has also had a large number of complaints. According to the BBB and NAIC, the provider has had more complaints than companies of a similar size.

Similar to Accordia Life, the biggest advantage of MassMutual is the variety of policies. In addition to a variety of policies, it offers simplified issue life insurance, which allows customers quick approval and the avoidance of a medical exam.

Most MassMutual policies require that customers call an agent to apply. This might be problematic for those that would prefer to apply online. While the provider has a mobile application, it only offers assistance for MassMutual retirement plans, called MassMutual Retiresmart.

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Accordia Life vs. MassMutual: History

The Accordia Life and Annuity Company was originally called Aviva USA and owned by Athene. In 2013, the life insurance provider was purchased by Global Atlantic and renamed Accordia Life.

The Massachusetts Mutual Life Insurance Company has been providing life insurance to customers since 1851. In terms of written premiums, the provider is now the fourth-largest life insurance provider in the country.

Accordia Life vs. MassMutual: The Bottom Line

MassMutual offers lower rates, fewer complaints, and more life insurance options than Accordia Life. When comparing Accordia Life vs. MassMutual, looking at the specifics will help you determine which provider meets your needs.

It’s possible to find both affordable Accordia Life insurance quotes and affordable MassMutual life insurance quotes.

Now that you’ve compared Accordia Life vs. MassMutual, enter your ZIP code to find the best life insurance rates in your area.

Accordia Life vs. MassMutual: Frequently Asked Questions

Here are some frequently asked questions about Accordia Life and MassMutual.

#1 – Can I buy other types of insurance from Accordia Life and MassMutual?

Accordia Life customers can buy other types of insurance through Global Atlantic’s various subsidiaries. MassMutual only offers life insurance and MassMutual 401(k) plans.

#2 – What are my Accordia Life and MassMutual payment options?

Accordia Life and MassMutual allow payments to be made online or by phone. Policyholders can make payments by credit card, debit card, automatic bank draft, or check.

#3 – Does Accordia Life or MassMutual offer mobile access.

Accordia Life doesn’t offer a mobile app and MassMutual’s mobile app only assists with retirement plans. However, both companies have mobile-friendly websites, allowing customers to access policy information from anywhere.