Quotacy is an independent brokerage firm – this means we represent many life insurance carriers not just one. This access to the products of multiple top life insurance carriers allows us to find you the best policy for your unique situation.
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. 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.
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.
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.
Quotacy wants to make sure you are paired with the best carrier 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.