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Frequently Asked Questions
Is this service really free?
Yes — it’s 100% free. There are no hidden fees or charges for using our comparison tool.
How long does it take to see my quotes?
Just a few clicks. Most people see their personalized life insurance rates in under 60 seconds.
How accurate are the quotes?
The quotes are real-time estimates from trusted insurance providers. Your final rate may vary slightly based on your health, lifestyle, and underwriting approval.
How quickly can I get coverage?
For no-exam policies, coverage can begin in as little as 24–48 hours after application approval. Traditional policies with medical exams may take 1–4 weeks.
Can I apply directly through your site?
Yes. Once you find the plan that fits your needs, you can start the application process online or connect with a licensed agent for assistance.
Do I have to buy a policy right away?
No. You can use our tool to compare rates as often as you like. There’s no obligation to purchase.
Do I need to provide my Social Security number?
No. We only ask for basic information (like your age and gender) to generate accurate quotes. Your Social Security number or similar sensitive data is not required to see your options.
Will my information be shared or sold?
Absolutely not. Your personal details are encrypted and used only to generate your quotes. We never sell your information to third parties.
How much life insurance coverage do I need?
It depends on your income, debts, and family’s financial needs. A common rule is 10–15 times your annual income, but our licensed agents can help you calculate an amount that fits your situation.
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