Your guide to great life insurance

How to buy a policy tailored to your needs

As seen in Barron's, Coverager, Forbes and more.

Buyer’s Guide for Term Life Insurance

 

Transparency is good

What to know about life insurance before you buy

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 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.

 

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

Kevin
Buying life insurance just got a lot easier with Quotacy

I had a great experience with Quotacy buying my first term life insurance policy. I had sought quotes from other internet-based companies like Quotacy but Renee and her colleagues were the fastest to respond and quoted me a variety of companies/plans at prices that seemed to be at or below what I found with other companies or direct from insurance companies. When I selected the best plan for my needs, Renee explained the paperwork process and setting up the health screening as painless as possible. She even followed up with a nice personalized card to say thanks for choosing Quotacy. It was so nice having the consistent follow-up and getting questions answered immediately that wasn't at all pushing one company or product.

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

Abbey
Highly recommend

Renee and Brandon at Quotacy were highly responsive, and had excellent communication and follow-up. They answered all my questions and facilitated everything from start to finish. When I got too busy with other things to focus on finalizing my life insurance paperwork, they followed-up on important milestones without being overly pushy. I also have peace-of-mind knowing that I shopped around to get the best price without actually having to do the legwork myself. Overall, I think the process was as smooth as possible with their help, and I'd definitely recommend Quotacy to others.

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

Scott
Very smooth process

I found the process of applying for a life insurance policy through Quotacy to be very smooth with excellent communication throughout. What drew me to the site was the ease of policy cost comparison between the insurers based on a simplified questionnaire. From that point, there were frequent and personalized email updates keeping me informed every step of the way, which led to a policy customized for my needs. I recommend Quotacy for anyone shopping for life insurance.

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

James
A pain-free experience

I read some reviews about various insurance quote sites, and I decided to try Quotacy. I found the process extremely easy, and the web application was smooth and polished (kudos to the design and dev team!). I think the highlight of the entire process, however, was having real people communicate with me via email. The emails weren't "template emails" but real correspondence with me during the entire process, and my rep kept me in the loop from start to finish. I don't know how other sites do because I haven't tried them, but I am very impressed with Quotacy.

five stars

Reviews from TRUSTPILOT

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