(844) 786-8229 [email protected]

In today’s article, we cover what you can expect from buying life insurance using Quotacy.com. Buying term life insurance online is more simple than ever before. Understanding the process from start to finish will help you buy your policy online with confidence today.

Term life insurance quotes instantly. No contact info required.

It all starts with getting your quote. The benefit of using Quotacy.com to see life insurance quotes is that you can do it all online without sharing any contact information.

Why is that great?

Save time. Save money.

Simply put, Quotacy will help you:

  • save money on your life insurance and
  • save time comparison shopping for your policy online.

Some of our competitors promise instant online quotes, but require you to give up your phone number, email address, and other contact info to access it. This type of “lead generation” site gets you stuck in a cycle of unwanted phone calls from sales agents who will upsell you with more life insurance than you need.

Quotacy doesn’t do business that way.

Our founders built Quotacy to allow you to shop online for term life insurance anonymously and comparison shop the nation’s top insurance company all-in-one place.

We eliminate unnecessary hassle when shopping online for life insurance. And we offer transparent pricing right away. No bait-and-switch here.

Answer four questions for instant online quotes.

no contact needed for Quotacy life insurance quote

From the screenshot of our quoting tool, you can see that you just need to share your zip code, gender, birthdate, and whether you smoke or not. Then, click the orange “Choose My Price” button and we show you your price. Easy, right?

Why do you need my zip code?

We need your zip code because each of the 50 states in the USA regulates which life insurance products may be sold within their state. Your zip code tells us which state you live in and, therefore, which products are available to you.

Why do you need to know my gender?

Women statistically live longer than men, so, your gender impacts your life insurance rate.

Why do you need to know my birthday?

Your age is one of the biggest factors affecting the cost of a life insurance policy. In addition, not all term lengths are available to all ages. For example, 40-year term products are not currently available to individuals over the age of 45. We want to make sure we provide accurate quotes and policy options.

Why do you need to know if I use tobacco?

Tobacco use impacts your life insurance rate. The type of tobacco products you use and how often will affect your price.

What a life insurance broker like Quotacy can do for you.

One of the primary advantages of using a broker, versus a captive life insurance agent, is a broker’s ability to offer products from many different insurance companies, not just one. The benefit to you is being able to take advantage of competitive pricing. Not all carriers will offer you the same price. Your Quotacy agent will shop your case to get you the best price possible.

Another advantage to using Quotacy, in particular, is that you can see all of your policy options instantly. Having to go from website to website running life insurance quotes is tedious and time-consuming. Save time by seeing all of your policy options with one search at Quotacy.com.

Here’s your price.

Image of the quoting tool show a 20 year term, $500,000 policy.

If you are curious about other coverage options after you get your initial quote, you can adjust the sliders back and forth to increase or decrease your coverage amount and length.

Instead of a $500,000, 20-year term life insurance policy, maybe you want to see how much a $1,000,000, 35-year term life insurance policy would cost? Or perhaps a guaranteed universal life insurance policy that lasts your entire lifetime? In this case, slide it over to “Forever”.

cost of a $250,000 guaranteed universal life policy for 29 year old woman

Without switching screens, just move the sliders and our quoting tool automatically shows you different pricing. This can help you intuitively understand how life insurance pricing works.

When you understand how life insurance pricing works, you can make better decisions.

There is no reason for an agent to hide pricing from you until you call them on the phone because life insurance prices are legally regulated. So, don’t work with a life insurance agency that does that. It’s a waste of your time.

There are no special deals to be found online. So, the quicker you can find out your pricing, the better it is for you.

At Quotacy, we just show you your price right away online and let you customize it further by answering more questions about your health, your family medical history, and so forth.

Showing upfront pricing is one way that Quotacy is helping to make the life insurance industry more transparent for online shoppers like you.

Term life insurance is more affordable than most people think.

Image of the all carrier quoting tool page.

As you can see from the pricing shown above*, a $500,000 term life insurance policy that will last 20 years can cost less than $20 per month.

*Pricing shown for a healthy, non-smoking female living in Minnesota born in 1988.

It’s easy to compare pricing for multiple term life insurance plans from trusted national brands with one search on Quotacy.com.

Each life insurance company offered by Quotacy is best-in-class, financially-secure, and highly-rated by independent, consumer protection agencies.

See what you’d pay for life insurance

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

Which policy should I choose?

You might be wondering which policy you should ultimately choose to buy and apply for from our list of options. You can just choose the lowest price, if you wish. There is nothing wrong with this strategy for buying life insurance, especially if you are young (under age 50), healthy, and don’t smoke.

But, if you know, for example, that a close family member (your mom, dad, sister, or brother) died from cancer at a young age, then take a few moments to scan our Quotacy’s Advice tab for each carrier.

screenshot of Quotacy term life insurance quoting tool life insurance company details

For example, in the screenshot above under Quotacy’s Advice, you can see that Legal & General (Banner Life and William Penn) is one of the companies that we suggest for applicants with this type of family medical history.

Quotacy matches you with the best life insurance company for your lifestyle.

Some life insurance companies like John Hancock or Prudential are excellent in serving many types of clients, so you may not see all of their stand-out areas mentioned in our advice section Why? Because the list would take up too much space on your mobile, for example.

When you submit your online application, your Quotacy agent will first review it before officially sending it to the insurance company you chose. Your agent will make sure you’re matched with the insurance company that will most likely offer you the best price. If we think you would get a better price with another carrier, we will move your application to that life insurance company after asking your permission to do so.

We work with a large range of excellent companies as a life insurance broker. A captive agent is not able to shop your application on the insurance marketplace like Quotacy is able to do. That is why so many consumers are turning to brokers to help them buy everything from their home mortgage to life insurance online.

How much life insurance should I buy?

Every day, our customers get quotes and then apply online in minutes at Quotacy. Our process is so simple that anyone can do it easily themselves just by following the steps in our quoting tool. Just coast right through from quote to covered anywhere, anytime.

But, if you need more guidance, don’t worry. If you don’t know how much life insurance you need to buy, we can help you online as well.

The easiest way to figure out how much life insurance you need is to use our life insurance needs calculator. Our tool is free and you can calculate your family’s life insurance needs without having to share any of your contact info.

» Calculate: Life insurance needs calculator

If you just want a quick way to figure out your needs, multiply your salary by ten.

Let’s say you’re a stay-at-home mom, your caregiving “salary” is worth at least $100,000 per year depending on where you live.

Screenshot of Salary.com stay-at-home mom salary

Multiplying $100,000 x 10, you would buy a term life insurance policy with a coverage amount of $1,000,000.

If your youngest child is 10 years old, you could buy a 10-year term life insurance policy that would take care of his or her needs up to age 20.

A 10-year term life insurance policy is very affordable for most parents. So, even if you can’t afford a policy that lasts 30 years, it’s good to get a policy in place for your child’s most vulnerable first 10 years of life when they’re dependent upon you the most.

Sometimes the best life insurance policy is actually two policies.

After you calculate you life insurance needs, you may realize that it’s more cost efficient to buy two life insurance policies rather than just one. This is called laddering multiple life insurance policies with different coverage amounts and lengths.

» Learn more: Laddering Life Insurance to Save Money

Why buy term life insurance online? To protect the ones you love.

Little girl and her baby sibling for Quotacy blog Family Planning and Life Insurance Quotes

We make it easy to insure your family today.

We’re committed to helping one million families protect their loved ones with the gift of affordable life insurance. We’d be honored to help you protect your family.

Get started by running a free quote today to see how affordable a term life insurance policy can be.

If you wish to review all of the steps from getting your quote to having your application for life insurance approved, we’ve laid out the details here in our life insurance buyer’s guide.

Note: Life insurance quotes used in this article accurate as of October 11, 2021. These are only estimates and your life insurance costs may be higher or lower.

About the writer

Headshot of Natasha Cornelius, a life insurance writer, for Quotacy, Inc.

Natasha Cornelius, CLU

Senior Editor and Life Insurance Expert

Natasha Cornelius, CLU, is a writer, editor, and life insurance researcher for Quotacy.com where her goal is to make life insurance more transparent and easier to understand. She has been in the life insurance industry since 2010 and has been writing about life insurance since 2014. Natasha earned her Chartered Life Underwriter designation in 2022. She is also co-host of Quotacy’s YouTube series. Connect with her on LinkedIn.