Life Insurance Is Baffling We Make It Effortless

Quotes in Under 30 Sec. | Top Rated 50+ Insurers | Face Amounts 10K-10M

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A Few of the Many Companies We Represent

We Specialize in Providing the Coverage You Need

Not all policies are created equal, and not all consumers have similar needs.

No Exam

It’s a type of coverage that doesn’t require a clinical examination as a part of the underwriting process.

You need life insurance immediately and don’t want to delay
You simply want to avoid going through a physical exam
You can have coverage in force within days instead of weeks
The coverage can be anywhere from $50,000 up to as much as $500,000

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Term Life

Often called “pure insurance” because it’s intended only to protect your dependents in case you die prematurely.

The greatest death benefit for the lowest premium
The premiums remain the same throughout the contract’s duration
The most common terms are 10-, 15-, 20-, and 30-years
Term is significantly less expensive when compared to whole life

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Final Expense

Final expense insurance is used to cover the charges of affairs specifically related to your death.

The face amount is usually between $5,000 and $50,000
Final expense insurance is a permanent life insurance
Permanent life insurance policies have a cash value
Final expense policies do not require an exam

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For those who have zero health issues, using an instant life insurance quote engine is effortless. Just select the Preferred Plus health class. For the rest of us, you need to choose a carrier that will look most favorably at your unique condition. The reason is that all life insurance carriers evaluate your health in various ways. Using the instant quote isn’t recommended if you have any health issues.

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Sample Rates

By reviewing the sample life insurance rates by age, term and coverage, you can estimate quotes before applying.

We believe it’s a fair business practice to show all estimated rates without asking for your personal information.

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Finally, There’s a Better Way to Find the Right Policy for You

Prices are fixed by law, so why go elsewhere to find the lowest quote?

When We Say No Sales Pressure We Mean It

We are not a call center that is under the monthly guillotine quota, and you are not just a number to us. We would rather present all options without using high-pressure sales techniques.

Nothing Is Ever Hidden from You

In today’s online world, most businesses are hiding behind a computer, and it can take days to get a reply or a call-back. You will always be able to reach us at (866) 326-3053.

You Will Not Find a Lower Premium Rate

Despite what you may have heard, prices are fixed by law, which means no broker can offer you a lesser rate for the same plan. Choosing the wrong plan may lead to higher premiums.

Less Daunting Underwriting Process

Our brokers are trained and seasoned in guiding you through this specialized process, to make sure you get the best rates possible, even if you are a high-risk individual.

We Represent over 50 Companies

We work for you, not the insurance company, which is why we represent over 50 companies. Be skeptical when an agent represents only one company. This limits your choices.

It’s Free! We Get Paid by the Insurer

There is no cost to you for using a broker to help you through this process. Because we get paid by the insurance carrier, you get our knowledge, our experience, and our help all for free.

Choosing the Right Broker Is the Key to the Best Policy

A broker represents the client, not the insurer. Don’t get trapped dealing with just one company.

Top Rated Companies

Savings on Term Life

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To Find the Best Quote

One might think choosing an insurance broker should be an effortless process. Select the one that offers you the lowest price, right? Well, that’s certainly not the case. Rather than submitting applications with eight different carriers, use a broker who has extensive knowledge in dealing with your distinct health condition to place you with the appropriate carrier with the highest chance for approval.