No contact information needed. Really!
Wondering why you need to give us this information for a quote?
There are several factors that affect the price of your life insurance quote.
While we don't need your contact information to deliver a quote, we do need a few important details to see how these factors affect your price.
Since our goal is to give you the most accurate quote possible, we ask you to provide:
- Your zip code. Coverage options vary by state so we'll need to know where you live in order to give you an accurate price quote (read: we do not need your street address).
- Your gender. Coverage is actually cheaper for women than it is for men (Except in the state of Montana) so this is another question you'll be asked in our free quote tool.
- Do you smoke? It's no surprise that smoking affects your longevity, so if you're a smoker, you should expect to pay more for coverage.
- Your date of birth. How old you are determines your price for life insurance.
By submitting all this information, we're able to narrow down the pricing of life insurance for your area, age, smoking status, and gender.
Before the quote is finalized, we'll also ask you a few additional questions so we can fine-tune and customize your quote further.
Here's what else we'll ask before providing a life insurance quote
- Height/weight. Your height and weight determines how much your life insurance policy costs so we'll need to know this information up front.
We also need to know if you've ever smoked before.
- Tobacco use. If you smoke everyday, you'll likely fall under smoking rates, but certain carriers will give non-smoker rates to the occasional cigar, daily Nicorette, pipe, or chewing tobacco user as they do not consider them in the same category.
You'll also find some questions about your heart health on our free quote tool.
- Heart health. Blood pressure and cholesterol medications are common prescriptions insurance companies take into consideration before they'll issue life insurance coverage.
As long as your condition is under control, some carriers will give you the best rates even if you take these medications. So don't let these issues stop you from getting a free quote.
We're also going to need to know a little bit about your family's health too.
- Family history. While you might be the epitome of perfect health, pricing may be adjusted if your parents and/or siblings have died or have been diagnosed with heart disease, diabetes, or cancer when they were younger than age 65.
To see if you're eligible for coverage, we encourage you to complete the form at the top of this page to receive your free, anonymous life insurance quote today.
You won't need to give us any contact information to receive this quote either. Simply answer the questions we mentioned and you'll have an affordable quote within minutes.
Are you concerned about a pre-existing medical condition?
Hesitant to apply due to an existing health condition? Don't let a pre-existing condition stop you from obtaining a free quote.
Our team has a successful track record of finding life insurance policies even if you:
- Are overweight or have been diagnosed with diabetes
- Take medication for depression or anxiety
- Had cancer or a heart attack
- Use a CPAP machine to sleep at night
- Have been convicted of driving under the influence
- Battled a disease you never heard of until the doctor told you about it
- Enjoy mountain climbing, flying airplanes, or traveling to exotic and dangerous parts of the world
As long as you can provide us with the most accurate, detailed information on your current and past health history, we'll find you the right coverage at the best price.
What happens once I get a quote?
Before we start the formal application process, we'll ask you to submit a pre-application form with us.
This 5-minute health and lifestyle questionnaire gives us a better idea of what coverage options work best for your needs.
Not only that, it helps us weed out coverage options that aren't worth your time so you don't waste hours as you go through the application process.
Using our expertise, we'll help you choose a policy that makes sense.
Keep in mind, we don't work on commission. So you can rest assured that we'll help you choose a plan that's in your best interest, not ours.
Once your pre-application is submitted, our team will review it to see if there's anything else we might need from you. Then we'll submit a formal application on your behalf to the insurance carrier (aka: we'll take care of all the paperwork).
From there, it's up to the specific carrier to approve you for coverage.
Fortunately, our team will help you every step of the way, including the entire application process.
We'll help you tackle the paperwork and find a term policy that matches your needs best. And since you can do all of this online, you can go from quote to covered today!
