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Progressive Life Insurance | Company Review

Progressive Life Insurance
Insurance Quotes 2 Day Team

Written By Doug Mitchell

Doug Mitchell, CLU holds a BA degree in Finance from Auburn University as well as having obtained a Chartered Life Underwriter (CLU) designation from The American College in Bryn Mahr, PA.  Doug has spent close to 30 years in the insurance and financial planning industry and has held licenses to sell securities, long-term care insurance, health.  Doug is also a financial blogger addressing the topics of life insurance, annuities and retirement income planning.

Holly Mitchell  &

Holly Mitchell’s background in life insurance insurance goes back to 1985 when she worked for her father who was a New York Life agent. Holly has a marketing degree from Auburn University and has had a life insurance license since 2008. In addition to advising life insurance for customers all around the country, Holly is our website fact checker.

Rob Pinner   &

Rob Pinner is the founder and CEO of Pinner Financial Services servicing all 50 states. Rob started his insurance career in 2002.

Louis LaBash

Results-driven and innovative life insurance professional with 30 plus years of life insurance industry sales and marketing experience. Recognized as a pioneer in the field, leveraging phone and internet channels to exceed personal sales of over $100 million during the first decade of the 21st century. Creator of a highly effective intuitive IUL life insurance sales software that facilitated the sale of millions of dollars of indexed universal policies by numerous life insurance agents. Proven track record as a Managing General Agent (MGA), Life Agent, IUL Life Insurance Sales Software developer, and leading-edge creator of insurance marketing tools, educational content, and delivery systems.

 5 minute read

It makes sense that since Progressive is a major player in the property and casualty insurance market that you can trust them to be a leader in the life insurance market, right?  

But does Progressive even offer term life insurance? 

They claim to have the best rates and customer service for auto insurance so it’s only logical to expect great rates and customer service when you buy life insurance from them.

So it makes sense that we, as life insurance experts take a look at Progressive Life Insurance because maybe we should represent them.

We looked up Progressive Life and here’s what we found…

Progressive Insurance company is certainly a popular company and most people can tell you that Flo is their spokesperson. However, when I visited their website to check out the Progressive life insurance products, imagine my shock when I discovered Progressive does not sell life insurance. The first clue was on the company’s homepage where Life Insurance is nowhere to be found.

So it appears that you can purchase term life insurance, and term life insurance with no exam through Progressive  but you can’t. 

If you are looking for Progressive Life Insurance rates, you have to click on the “More Choices” button to find the link to life insurance products (not their life insurance products). When you click this button you are taken to another page that has 28 options and ”Life” is in the third column and four rows down.

Kind of makes you think that Progressive is not really in the life insurance business.

Next, I clicked on “Life” and was taken to another page where they ask for your zip code (not unusual). I filled in my zip code and clicked the “Get Quote” button and was taken to a quote form page. Even though it appears you’re still on Progressive’s website, you’re not. You have been redirected to “Progressive Life by eFinancial.” A quote form is a quote form; nothing new here until you read the disclaimer.

Efinancial, LLC provides quotes from Fidelity Life and other insurers on this site. These entities are not affiliated with Progressive. The Progressive website says that you agree to this website’s Privacy Policy, and you consent to receive offers of insurance from Efinancial, LLC at the email address or telephone numbers you provided, including autodialed, pre-recorded calls, SMS or MMS messages. Message and data rates may apply. You recognize and understand that you are not required to sign this authorization in order to receive insurance services from eFinancial.
 If you scroll down a little further, you’ll find another three-paragraph disclaimer typed in a font about the size of a molecule (well maybe a large molecule). 

The Progressive Life Insurance Quote Form

The quote form they use is more in-depth than most websites which is probably a good thing but if you don’t enter your phone number AND your email address, you will not be able to go forward.

I went ahead and completed the Progressive life quote form and only fudged on my date of birth. I got back a quote from Transamerica. That was it.

Progressive Life Insurance

I was surprised that no other life insurance companies were listed and that the quote didn’t include Transamerica’s A. M. Best Rating. The screen did have content that if you want more information to call eFinancial.

While I was in the middle of the quote process, I got a call that I needed to take and when I went back to finish my quote, I was informed that I needed to call the toll-free number to complete my quote and application. When I attempted to reenter the quote information, I was told to call the toll-free number.

eFinancial Insurance Agency

When I visited the eFinancial website, I was pleased to find out that they only offered life insurance products that were fully underwritten as well as no exam life insurance. They did not, however, offer a list of the life insurance companies they represent only that they represented most of the top-rated life insurance companies. After reviewing their website, I noticed that everything there was pretty similar to most independent agent websites and assumed they likely represented the top companies in term, whole life, and universal life insurance.  I wasn’t sure if they had indexed universal life insurance to offer.

They did offer an FAQ page under their “Resources” tab that had a whopping eight questions with answers. Their about page was pretty much boiler-plate text where they talked about their concerns for the community and information about their “culture.” They had a lot of pictures of everybody smiling and having a grand old time while their customers are probably on hold (sorry, I’m being negative here). I thought it was nice that they invited me to “explore” their offices and the opportunity to get to know their “team.” But what I really wanted was a Progressive life insurance quote or from more than one carrier and wanted to do this without having to start over again because I had to take a phone call.

Know who you are dealing with…


Smoke & Mirrors or Bait & Switch?

When I take my licensed agent hat off and put my consumer hat on (I am a consumer just like you), Progressive’s method of selling life insurance leaves me (the consumer) with some questions. If you are not a LIFE INSURANCE COMPANY, that’s okay but why not reveal that from the beginning? Not doing so leads me to believe that they are being a little deceptive.

When a long-time Progressive customer wants to buy life insurance from Progressive because they’ve had a great consumer experience in the past, they may be likely disappointed when they find out they are purchasing their life insurance from eFinancial Insurance Agency rather then Progressive Life Insurance Company.   

Plus, the selection of insurance companies is rather thin which means their product selection will be thin as well. The consumer needs to have choices because choice can be what differentiates one independent insurance agency from another.

The Bottom Line

Progressive Insurance may be in the life insurance business but only as a referrer and not as an insurer. eFiancial is a typical “call center” environment and I doubt a long-term relationship is in their business model. If you are looking for the best life insurance quotes from an agent you can trust now and ten years from now, then stick with an independent agent like where your business will not be a small fish in a gigantic pond.

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author avatar
Doug Mitchell, CLU Independant Advisor
Doug Mitchell, CLU holds a BA degree in Finance from Auburn University as well as having obtained a Chartered Life Underwriter (CLU) designation from The American College in Bryn Mahr, PA. Doug has spent almost 30 years in the life insurance industry and has also held licenses to sell securities, long-term care insurance and home and auto insurance. Doug is a Top of the Table Million Dollar Round Table member (MDRT).  MDRT is a global, independent association of the world's leading life insurance advisors.  For two years, Doug served as President of the Auburn Opelika Association of Financial Advisors and has been a member of the Million Dollar Round Table. He obtained Life Millionaire status at Horace Mann Insurance Company and was awarded the Life Agent of the Year Award. Later in his career with New York Life he was an Executive Council Member. Doug currently serves as President of Ogletree Financial, a managing general agency serving life insurance agents and clients in all parts of the United States. Today, Doug’s main focus is servicing 1000s of policyholders and growing the agency through the reach of

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