We know you have many options when it comes to purchasing life insurance. We’d like to share with you 10 reasons why we think Quotacy is the best for buying life insurance online.
1) Quotacy is your experienced guide.
The process of buying life insurance is something that you only go through a couple times in your life. It’s important to choose an experienced guide to lead you through the multiple steps along the way.
As a broker, we have a fiduciary duty to act in your best interest. We advocate on your behalf with the insurance carriers.
Quotacy was born from the owners of Hallett Financial, and we have been helping consumers find the right coverage at the right price for over 30 years. As of today, we have over $28 billion of coverage in place to protect families and businesses.
2) Quotacy’s agents are not paid on commission.
When you are purchasing life insurance from a commissioned sales person, it is possible that they are more interested in the commission than finding you the option that makes most sense for you.
Our friendly licensed agents and application coordinators are salary-based employees whose purpose is to save families. We work within your budget and are focused on helping you get coverage to protect your loved ones from your unexpected death.
3) Quotacy’s online tools are cool.
When you decided to shop for life insurance online, you probably visited a couple different websites that tout getting you a free quote. The calculators you found are clunky and look like they were built in the ’90s.
Quotacy wants to make sure our tools are easy to use and easier to understand. You’re able to use sliders and transparent design to play with real-time pricing to get a feel and understanding of the costs associated with your life insurance purchase.
» Compare: Term life insurance quotes
4) Quotacy finds you the best possible price.
You may be in perfect health with no issues whatsoever, but that’s not the case for many Americans.
If you aren’t in perfect health, this impacts your life insurance rates. Not all life insurance companies evaluate risk factors in the same way. Because of this, your life insurance cost can vary dramatically across insurance companies.
For no extra cost, we double-check the market for you. After you apply, we review your information to make sure you’re paired with the insurance company that will offer you the best price.
Your health information is reviewed by our expert underwriter who has worked in many insurer home offices and knows how to navigate each individual’s health history with the myriad of insurance companies. Making sure you’re matched with the most lenient insurance company can save you hundreds of dollars each year.
5) Quotacy communicates with you on your terms.
Whether your main choice for communication is email, text, or phone, we honor that request. In today’s busy world, it’s much easier to respond to an email or a text than to find the time to have a call.
See what you’d pay for life insurance
6) Quotacy shows you realistic pricing.
When you watch a television ad that says $500,000 of insurance for as little as $19 a month, you might wonder if that is true. And for some people it is.
Quotacy collects health information before you apply for insurance and sets realistic expectations. We have a proven process to assess your health and other factors, so there aren’t pricing surprises after you’ve applied and been underwritten by a carrier.
The disclaimer to this is that it is up to you to give us as accurate and complete information as possible up front. Our process is only as good as the information you share.
7) Quotacy protects your privacy.
Your personal information is not sold to third parties. Have you ever bought something from an online store and begun getting emails and phone calls from gobs of other organizations? I have, and it’s not enjoyable.
Quotacy uses your personal information to help you get the right life insurance at the right price. Period. Your data is between you and us. You deserve to be respected, and that’s what we do.
8) Quotacy keeps you updated.
The buying process for life insurance sometimes takes many weeks. You are taking the time to buy life insurance to protect your loved ones, and you should know what is going on during that time.
We reach out to you at least weekly, sharing with you how the process is going and what is going to happen next so you are never in a black hole. A human being is watching over the process and is available for you to reach out for any questions that come up along the way.
9) Quotacy speaks in lay person’s language.
The life insurance industry has been around for hundreds of years and has developed its own language and lingo. It’s easy for life insurance professionals to get caught up speaking that language with clients, but it’s not easy for you to always understand.
One of our missions is to cut through those code words and use language that is easily understandable and clear. We aim to create content that is easy to grasp and helps you make educated decisions about buying a life insurance policy.
10) Quotacy quotes you without any personal contact information.
Studies say that the average person believes life insurance costs three times more than it actually does. So, you should be able to quote yourself and see how inexpensive it really is to make sure your family is safe if tragedy strikes.
To that end, we decided to not require any personal information to use our online tools. Run as many term life insurance quotes as you need. Get real-time pricing estimates without ever providing a name, email, or phone number.
It’s not until you’re comfortable and ready to officially apply that we need your personal information. Are you ready to get started? Run a term life insurance quote now. Not sure how much coverage you need? Head on over to our life insurance needs calculator.
About the writer
Natasha Cornelius, CLU
Senior Editor and Licensed Life Insurance Expert
Natasha Cornelius, CLU, is a writer, editor, and life insurance researcher for Quotacy.com where her goal is to make life insurance more transparent and easier to understand. She has been in the life insurance industry since 2010 and has been writing about life insurance since 2014. Natasha earned her Chartered Life Underwriter designation in 2022. She is also co-host of Quotacy’s YouTube series. Connect with her on LinkedIn.