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Your guide to great life insurance

How to buy a policy tailored to your needs

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Quotacy, Inc. website assets: grayscale national news media logos.

How to Get a Term Life Insurance Quote

 

Transparency is good

Before you get a term life insurance quote, there are a few things to know.
We go over these in our guide.

What is term life insurance?

Term life insurance is the most common type of coverage owned in the USA because it’s affordable and simple to buy.

This type of life insurance is called term life because it lasts for a specific period of time—usually 10, 15, 20, 25, or 30 years—depending on the policy length you need.

Once your life insurance policy is active, you can die anytime during your term and your family will receive all of the money in one payment—quickly. This payment is typically $50,000 to $1,000,000—or more—depending on the coverage amount you have chosen.

How much term life insurance should I buy?

Simply buy what you can afford today. It will mean a lot to your family tomorrow.

As your lifestyle evolves, calculate your life insurance needs and ladder your term life insurance policies to suit your changing needs.

How do I decide which policy to buy?

Quotacy offers policies only from the most trustworthy—financially stable—life insurance companies in the USA. Ratings are available for your review here.

Need advice? Livechat, text, email, or talk with one of our advisors.

Life insurance is for the living. While you are alive, it gives you peace of mind. After you die, it gives your loved ones the chance to fulfill the dreams you shared together.

Learn more: What Is Term Life Insurance and How Does It Work?

 

Get your quote  Estimate your needs

How to buy life insurance

Simple steps to go from quote to coverage:

  1. Estimate your needs
  2. Get your quote
  3. Choose your policy
  4. Apply online within five minutes
  5. Complete your phone interview & medical exam*
  6. Get approved for coverage

*There are accelerated underwriting and no medical exam policy options that streamline these steps.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: Questions to Ask When Buying Life Insurance

 

Get your quote  Estimate your needs

How to estimate your needs

Use our term life insurance calculator to estimate your coverage needs.

Our calculator shows what coverage you should buy based on:

  • How much debt do you want to pay off?
  • How much monthly income do your loved ones need?
  • How many years do your loved ones need income?

Once you know what you need, buying your policy is easy. Just choose your preferred life insurance company and apply for your policy online within five minutes.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: How Much Life Insurance Coverage Do I Need?

 

Get your quote  Estimate your needs

How to get your term life insurance quote

Get your quote by anonymously exploring our quoting tool anytime. Just share your:

  • zip code
  • gender
  • birthdate
  • smoking status

Decide how much coverage ($100,000 to $25 million) you need for how long (10, 15, 20, 25, 30, or 35 years) and you’ll see your price go up or down as you adjust the sliders of our quoting tool.

By test driving our quoting tool, a non-smoking, 47-year old woman living in Brooklyn who needs $500,000 term life insurance coverage for 15 years just found out it’s less than $36 per month. That’s much less than she had anticipated.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

 

Get your quote  Estimate your needs

How to choose your policy

Our quoting tool will guide you toward a term life insurance policy that is tailored to your needs and budget.

How do we personalize your choices?

Based on your responses to:

  • What is your height and weight?
  • What is your smoking status?
  • How is your heart health?
  • What is your family medical history?

Our quoting tool will show you a custom range of term life policies to choose from.

You’ll see each carrier’s A.M. Best rating (A or A+) and your policy pricing. If you qualify for accelerated underwriting or no medical exam, you’ll see those policy choices. Review and choose your preferred policy to buy online.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: The Different Types of Life Insurance

 

Get your quote  Estimate your needs

How to apply and buy online

 

Once you choose your preferred term life insurance policy, you can complete your application typically within five minutes.

Our advisors will review your submitted application to see if there is a better carrier for you based on the information you provide in your application. If we notice a better match, we’ll contact you for permission to change carriers to get you a better policy.

We’ll email you secure DocuSign forms to obtain your driver’s license and Social Security number, in addition to your beneficiary information.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: How Does the Process of Buying Life Insurance Online Work?

 

Get your quote  Estimate your needs

How to prepare for your phone interview

Typically within 48 to 72 hours of receiving your application, your preferred life insurance company will contact you for a confidential, 15-30 minute phone interview to confirm your personal and health information submitted on your application.

You may need to provide your:

  • Driver’s license and Social Security number
  • Healthcare providers (names, addresses, and phone numbers)
  • Medical history (treatment dates and prescription medicines)
  • Existing life insurance policy info (company name, coverage amount, and policy number)
  • Financial info (income, assets, liabilities, and net worth)

Some companies will schedule your medical exam during your phone interview, if your policy requires an exam.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: What to Expect from Your Phone Interview

 

Get your quote  Estimate your needs

How to prepare for your medical exam

You’ll meet with a licensed medical examiner at your home or office at your convenience. The health exam is done at no cost to you. You’ll be asked to:

  • Share medical history (your and your close relatives’)
  • Measure height and weight, blood pressure, and pulse
  • Draw a blood sample
  • Give a urine sample

Once your medical exam is completed, an underwriter from the life insurance company will review your medical records and approve or deny your application.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: 10 Tips on Getting the Best Results on Your Life Insurance Exam

 

Get your quote  Estimate your needs

Timeline for going from quote to coverage

On average it takes two to six weeks to be approved for a term life insurance policy.

This timeline depends on how quickly we (you, Team Quotacy, your medical record’s office, and the life insurance company) all work together.

We have guided over 26,900 (and counting) customers like you through their life insurance buying journey. We would be happy to help you go from quote to coverage at Quotacy.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn moreRead our customer reviews on TrustPilot

 

Get your quote  Estimate your needs

Buy life insurance for someone else

Key people who would be financially impacted by your death—your spouse, kids, or life partner—have an insurable interest in you. People with an insurable interest can buy life insurance on you and be named as your beneficiary.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: When Should Someone Else Own My Life Insurance?

 

Get your quote  Estimate your needs

Download our buyer's guide

We’ve got your life insurance questions covered in our buyer’s guide.

The Modern Consumer’s Guide to Buying Life Insurance Online

Table of Contents:

  • Things to Look for When Shopping Online for Life Insurance
  • Privacy Protection
  • Transparent Pricing
  • Anonymous Window Shopping
  • Works with Reputable Carriers
  • Honest Reviews
  • Easy-to-Understand Language
  • Agent from Start to Finish and Beyond
  • The Life Insurance Buying Process
  • Your Application
  • Verification Call and Medical Exam
  • Final Review and Decision
  • Choosing Your Beneficiaries
  • How to Prepare for the Life Insurance Medical Exam
  • About Quotacy

Download PDFQuotacy’s Buyer’s Guide for Term Life Insurance

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

 

Get your quote  Estimate your needs

What our customers say about Quotacy

Mike
Too simple

Using Quotacy made things so simple, I literally couldn't believe the process was done, when it was done. I still really can't believe it. Thank you to Jason and the Quotacy team for helping me navigate what would have been a daunting task if I had to undertake it on my own.

five stars

Tim
Great way to purchase life insurance!

Quotacy is THE way to buy life insurance. Through one request for quote got the best deal and great customer service. Would recommend Quotacy to everyone for your life insurance needs.

five stars

Prathima
Quick and easy

From the beginning to the end of getting my policy I received important updates and status of where my application was. If I had a question I was given a timeline of when I can hear back. I heard back no more than 24 hours.

five stars

Raj
Best representatives

Quotacy has done a great job from start to finish in getting my insurance policy set up. They have the easy to use website and great representative.

five stars

Gregory
Easy as 1, 2, 3

I give Quotacy the highest rating because of how incredibly easy it was to go through the entire process. They were in frequent contact and the communication was concise and made me feel like they were taking care of everything at every step. So far, so good. I have zero complaints. It has been as easy as 1, 2, 3. Thank you very much for your efforts.

five stars

Kim
Wonderful experience with Quotacy

Thanks to the staff at Quotacy the process of buying life insurance was very positive and painless. From initial contact with the team to the day my policy became active everything was seamless. The communication from my agent was exceptional. He guided me through the process every step of the way and made sure I got the best policy at the best price. I would definitely recommend the Quotacy team!

five stars

Erik
Best price with great customer service

Quotacy got me the best price for my life insurance with a major company and stepped me through the process the whole way. They were very quick and thorough when responding to my inquiries. I would highly recommend using Quotacy!

five stars

Jung
Fast and efficient service

From initial quote, to medical exam, to the final paper work, Quotacy provided fast and efficient service. They walked me through the life insurance application process and kept me well-informed through the entire process.

five stars

Loren
Amazing agent

My agent Jason was phenomenal. I had many questions about purchasing life insurance—which is a somewhat overwhelming decision because you obviously want to purchase what's right for you. My agent was exceptional at answering questions and giving me as much detail as possible regarding everything. In a world full of many agencies, I can say I am happy with the one I chose. Thank you so much.

five stars

Reviews from TRUSTPILOT

Life insurance made easy

We’re ready to guide you through buying life insurance

Quotacy, Inc. website assets: grayscale trusted life insurance carrier logos.
Quotacy, Inc. website assets: grayscale trusted life insurance carrier logos.
Quotacy, Inc. website assets: grayscale trusted life insurance carrier logos.
Quotacy, Inc. website assets: grayscale trusted life insurance carrier logos.