(844) 786-8229 [email protected]

Quotacy is an independent brokerage firm—this means we represent many life insurance companies—not just one. This access to the products of multiple top life insurance companies allows us to find you the best policy for your unique situation.

Because the life insurance industry is very competitive, different life insurance companies may decide to cater to certain health or lifestyle niches. If you’re only working with one life insurance company, you may miss out on a better price since your application wasn’t shopped.

» Learn more: Life Insurance Captive Agent, Independent Agent, and Broker… What’s the Difference?

When you apply through Quotacy, you will be offered quite a few different insurance company options when choosing a policy.

After you choose a product at a price you like, you complete the application and submit it to us. It is at this point that we review your information to see if the company and product you chose is your best option.

Not every person who applies for life insurance is the epitome of perfect health or perfect lifestyle choices. Sometimes we may have to do a little extra work to ensure you get a great life insurance policy.

» Compare: Term life insurance quotes

For example, if in your application you mention that you previously were diagnosed with skin cancer, but are in remission, and we notice the company you initially chose will add on a flat extra fee for 10 years, we will “shop” your case around to other companies to find one that will offer a better price.

If we find a company that only would require you to pay a flat extra fee for 3 years, for example, we will contact you and let you know your options. What life insurance product you choose is completely up to you—you can still choose to apply with your original company, we just want to make sure you know all your options.

» Learn more: Why You Might Not Have the Best Term Life Insurance Rates

The act of us reviewing your application and reaching out to different companies to find your best options is shopping your case. This is one of the great benefits of working with Quotacy because not all agencies and brokerage firms offer this.

Some agencies represent one specific company, so they will only offer you the products from that company. Some firms just push your application through without thoroughly reviewing it so they can just move onto the next application. Some online agencies will take your information and just sell or pass it along to another agency; Quotacy does not do these things.

The act of us reviewing your application and reaching out to different carriers to find your best options is “shopping your case.”  This is one of the great benefits of working with Quotacy because not all agencies and brokerage firms offer this.

Ready to get your life insurance quote?

You’re a few minutes away from great life insurance

Get your quote

How much life insurance do you need?

Figure out your action plan with our needs calculator

Calculate needs

Quotacy wants to make sure you are paired with the best company the first time around which is why we take the time to shop your application behind the scenes. We will never pass you off or sell your information to third-parties. We work for you. To make sure you get the best life insurance product for your individual lifestyle apply for life insurance through Quotacy.

» Calculate: Life insurance needs calculator

Photo credit to: Ali Yahya


About the writer

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

Natasha Cornelius

Writer, Editor, and Co-host of Quotacy's Q&A Fridays

Natasha is the content manager and editor for Quotacy. She has been in the life insurance industry since 2010 and has been making life insurance easier to understand with her writing since 2014. When not at work, she's probably studying and working toward her Chartered Life Underwriter (CLU) designation while throwing a tennis ball for her pitbull mix, Emmett, or curled up on her couch watching Netflix. If it’s football season, the Packers game will be on. Connect with her on LinkedIn.