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Equitable Term Life Insurance Overview

Equitable excels at insuring aviation professionals. They’re a solid company with a smooth application process.

Customer Service: (800) 777-6510

Why Quotacy?

Save time & money. Let us do your comparison shopping.

More policy options

Quotacy is an independent life insurance broker. We sell policies from the nation’s most trusted insurers. By using our quoting tool, you’ll get multiple term life options from the best life insurance companies in minutes.

Get what’s right for you

Our agents match you with the right company for your health and lifestyle—so you get the best life insurance for you. This is part of our free service as a life insurance broker.

We’re transparent

We value transparency as much as you do. Everything we know about life insurance, we’ll share with you so you’re making informed decisions from quote to covered.

Spend less time shopping

No matter where you buy your policy, you’ll pay the same rates. Pricing for life insurance is regulated by government. Don’t waste time talking with multiple agents, use our free online comparison shopping tool to get your quotes.

Our focus is on you

As a life insurance broker, our focus is on finding you the best policy for your needs. Quotacy’s agents work on salary, not commission—so, we’re at your service.

We’re experienced

We’ve been in the life insurance industry since 1990, and have helped our customers protect their families with over $37 billion in coverage. That’s a lot of happy customers.

Equitable Company Overview


Paris, France

Headquarters in USA

New York, NY





Ranking Worldwide

#1 insurance brand worldwide since 2008


165,000 worldwide


Paris, France

U.S. Headquarters

New York City, NY





Ranking Worldwide

#1 insurance brand worldwide since 2008


165,000 worldwide

Equitable Ratings & Awards

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A.M. Best Better Business Bureau J.D. Power Moody’s Standard & Poor’s
A A+ 771 A2 A+

A.M. Best is an independent rating agency that ranks the financial strength of life insurance companies. Their best rating is an A++. Their worst is a D.

Better Business Bureau (BBB) is a non-profit that shares customer service feedback on businesses in the USA. BBB assigns ratings from A+ (highest) to F (lowest).

J.D. Power and Associates analyzes customers’ experiences with life insurance companies and ranks them on a scale from 1 to 1000.

Moody’s Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody’s rating scale ranges from Aaa to C with 1, 2, and 3 to indicate whether the ranking is on the higher or lower end of that category.

Standard and Poor’s (S&P) is the world’s leading provider of credit ratings and creditworthiness. S&P’s scale ranges from AAA to D with + or – to define standing within each category.

interbrand logo

Equitable was ranked the #1 best global insurance brand by Interbrand for the ninth consecutive year in 2017.

To stand out in a competitive industry, most insurers focus on serving health or lifestyle niches.

Equitable is excellent for:

  • Aviation & Pilots
  • Combined Health Issues (e.g., Diabetes with Heart Issues)
  • Foreign Travel
  • Healthy Individuals

Equitable excels at insuring aviation professionals. They’re a solid company with a smooth application process.

Equitable Comparison Quotes

Equitable Term Series

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Company Male Female
Age 30 Age 40 Age 50 Age 60 Age 70 Age 30 Age 40 Age 50 Age 60 Age 70

Cincinnati Life

$23.32 $33.00 $81.40 $245.52 N/A $19.80 $28.60 $65.12 $183.92 N/A


$18.99 $28.72 $69.93 $203.22 $851.76 $16.03 $24.08 $54.92 $141.38 $701.00


$23.95 $32.50 $76.10 $230.85 N/A $20.95 $29.95 $60.75 $162.05 N/A

John Hancock

$27.71 $32.11 $74.56 $208.06 N/A $25.06 $28.31 $64.51 $170.11 N/A

Lincoln Financial

$27.94 $39.03 $77.35 $203.11 $799.59 $23.50 $30.70 $58.43 $143.90 $705.59

Pacific Life

$19.10 $28.87 $70.33 $200.75 N/A $16.12 $24.18 $54.89 $142.21 N/A


$19.77 $29.39 $72.04 $203.13 N/A $16.76 $24.82 $56.09 $143.91 N/A


$19.08 $28.45 $70.30 $200.73 $790.32 $16.11 $24.16 $54.86 $142.18 $697.36


$34.56 $43.75 $89.25 $273.88 N/A $28.00 $40.25 $77.88 $187.69 N/A

Securian Financial

$22.42 $31.18 $87.12 $235.40 N/A $18.48 $26.84 $62.04 $153.12 N/A


$19.87 $31.30 $83.33 $274.74 N/A $17.05 $24.62 $60.41 $165.73 N/A


$19.09 $28.46 $70.31 $200.74 N/A $16.11 $24.17 $54.86 $142.20 N/A

United of Omaha

$23.87 $37.20 $92.67 $273.70 N/A $20.43 $31.61 $69.02 $189.42 N/A

US Life

$20.70 $32.75 $76.55 $230.45 $924.25 $17.47 $27.68 $67.43 $161.32 $699.89

Sample monthly premium quotes for a $500,000, 20-year term policy for healthy, non-smoking individuals living in Minnesota. Pricing varies by gender. Women pay less for life insurance than men because they live longer on average.

Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of July 2021.

See what you’d pay for life insurance

Comparison shop prices on custom coverage amounts from the nation’s top carriers with Quotacy.

Equitable Features & Benefits

What we like

  • Can be converted into permanent policy.
  • Includes Accelerated Death Benefit Rider at no charge.
  • Your medical exam can be done at home or work.
  • You can review your medical exam results online.
  • You can manage your policy online.

What could be better

  • Does not offer an Accidental Death Benefit Rider.
  • Every applicant must get a medical exam.
  • Credit card payments are not accepted.
  • Policy not delivered electronically.

Equitable Policy Details

Equitable Term Series

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Term Series
Guaranteed level premiums? Yes
Term lengths available: 10, 15, 20*
Premiums returned at end of term? No
Riders available: Accelerated Death Benefit, Premium Waiver for Disability, Child Rider
Accumulates cash value? No
Policy loans available? No
Minimum issue age: 18
Maximum issue age: 75
Minimum face amount: $500,000
Missed payment grace period: 31 days**

*10-year term available for ages 18-75; 15-year term available for ages 18-70; 20-year term available for ages 18-65.

**State of issue, payment mode, and draft date can all impact the grace period end date. Your policy will state specifics.

» Compare: Term life insurance quotes

Equitable Policy Riders

Increase your policy’s benefits with riders

Accelerated Death Benefit Rider


This rider—also known as a Living Benefits Rider—is included in your policy at no charge. It gives you access to a portion of your policy’s death benefit, if you are diagnosed with a terminal illness resulting in 12 months or less to live.

Premium Waiver for Disability

*Available at additional cost

AXA will waive premium payments during a period of total disability lasting six consecutive months or more. The waived payments don’t have to be paid back. This rider is not available on all policies and the cost varies by age.

Child Rider

*Available at additional cost

For as little as $52.50 per year, add a child rider that covers your children under the age 18. Options range from $10,000 to $25,000 in coverage per child. Ask your Quotacy agent for details.

Equitable Policy Service


  • Customer Service: (800) 777-6510
  • Fax: (855) 268-6378

Hours: Monday-Friday, 7:00 AM-6:00 PM Central

Payment Mailing Address

PO Box 1047
Charlotte, NC 28201-1047

Manage your policy online

  1. Visit www.equitable.com.
  2. Click on the small Sign In link in the top right-hand corner.
  3. Click on Register Now.
  4. Click on Individual then choose Life or Investments.
  5. Enter your your email, Social Security Number, and date of birth to verify your identity.
  6. Click the blue Next button and follow prompts to set up your online access.

What you can do online

  • Make payments.
  • Enroll in electronic policy statements.
  • Update banking info.
  • Update contact info.
  • Change beneficiaries.

The Fine Print

Guidelines & Exclusions

Term Conversion
  • May convert to permanent product before the final term’s policy anniversary or before age 70.
Accelerated Death Benefit Rider
  • Also known as Living Benefits Rider.
  • Accelerate up to 75% of your policy’s benefit—not to exceed $500,000.
  • $250 processing fee when benefit is accelerated.
Child Rider
  • Newborn child covered when 15 days old.
  • Maximum coverage is $25,000 ($50,000 in New York).
  • Rider not available if insured is given higher rating than Table D or a flat extra that equals or exceeds $15 per thousand.
  • Parent (or child) can convert rider after child’s 25th birthday or before parent turns 65—whichever is earlier.
Premium Waiver for Disability Rider
  • Not available on policies if insured is rated higher than Table D or a flat extra that equals or exceeds $10 per thousand.
  • If total disability begins on or after age 60, premiums are waived until the policy anniversary closest to age 65 or termination of disability—whichever is earlier.

Updated: September 2020

More term life insurance reviews

We recommend without hesitation every company reviewed on Quotacy. When you comparison shop, the death benefit amount that your loved ones would receive and the cost of the policy are the most important factors to consider. If you have any questions about the best life insurance companies for you, contact Quotacy. We'll gladly help you evaluate your life insurance options.