Helpful answers for your life insurance questions.
There are a lot of factors that go into determining the price of life insurance.
However, at this stage in the life insurance shopping process, you shouldn't have to give up all your information just to get a free quote.
So, we only ask for what's absolutely necessary to give you more accurate quotes with pricing that's specific to your location, age, gender, and basic health.
Financial experts recommend 10-15x your annual income, but if you want to do the math yourself, here's an easy way to calculate your needs.
First, add up the following:
Then, subtract the following from the total above:
If you're still unsure contact us. We can help you choose.
Experts recommend a term that lasts the length of your largest source of debt. For example, if you have a 30-year mortgage then a 30-year term, would be a good choice.
Also, consider the number of years it will take until your family is able to handle financial obligations independently.
Even though everyone's situation is unique, for most individuals, a traditional term life insurance policy is the best option.
It's affordable and can be customized to fit your needs, current budget, and future financial goals.
Term life insurance is easy. Once you get it locked in, your rate will never increase the entirety of the term.
Other benefits of term life insurance:
Whole life insurance coverage is forever, and it has a savings component. It's 10-15x more expensive, but there are some situations when it can be beneficial, like if you have a large estate or own a business.
Age and health are two of the biggest factors that determine the price you'd pay for life insurance. Meaning, lock in a better rate while you're young(er) and healthy.
To help you weigh your options, use the drop-downs to compare the details of each policy. When you find the best policy for you, your next step is to complete an online application.
After you apply, we'll review your information as well as pricing guidelines from other carriers to make sure you get the best price possible.
We'll guide you through the approval process, take care of the legwork, and keep you updated and informed every step of the way.
You're not committed to the coverage you apply for. You'll still be able to make changes and you don’t have to decide until you receive your approved offer.
Every life insurance carrier calculates the risk of a pre-existing condition differently. This is why carriers have different prices for a policy with the same coverage.
One carrier may have the lowest price for people with asthma but have the highest for sleep apnea.
Since Quotacy has access to over 25 top-rated carriers, you can feel confident that you'll be matched with the carrier that will give you the best possible price.
Quotacy is a no-cost life insurance broker that has helped over 50,000 people just like you find the right coverage at the best price possible.
With access to 25+ top-rated carriers, you can feel confident that you’ll be matched with the carrier that fits your specific needs.
Quotacy highlights:The life insurance process can be overwhelming, which is why we pair you with a personal Quotacy agent.
They'll be your main point of contact from start to finish. So, if you ever have questions, concerns, or need reassurance, you'll know who to turn to.
Plus, your personal Quotacy agent will: