In this guide

  • Our verdict
  • Details
    • Product details
    • Riders
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure
Finder score
Issue Age
18 to 80
$50,000 to $65,000,000
Medical Exam Required
Depends on provider and policy

Our verdict

Enlist the help of an agent to compare term and permanent life insurance quotes.

If you’re new to the world of life insurance and aren’t quite sure where to start, or you have a policy and aren’t happy with your rates, Quotacy’s life insurance comparison tool could really come in handy. Plus, this online broker helps you fill out the paperwork and manage the back-and-forth communication with your insurance company.

If you already have an insurance provider in mind or are looking for an online quote for a permanent policy, Quotacy might not be for you.


  • Find the right amount of coverage that you need.
  • Compare prices from over a dozen companies.
  • Free online access to advisors.

In this guide

  • Our verdict
  • Details
    • Product details
    • Riders
  • Your reviews
  • Ask a question


Product details

Policies Guaranteed Universal Life Insurance, Whole Life Insurance, Final Expense Life Insurance, Individual Disability Insurance
Coverage maximum $65,000,000
Term lengths 10, 15, 20, 30 and 40 years
Medical exam required Depends on provider and policy
Available states All 50 states and D.C.
Issue age 18 - 80 years old


Riders No info available

Quotacy life insurance rates

Each life insurance provider has its own set of underwriting standards to determine your risk. Some online life insurance companies require a medical exam to determine your exact rate, while others will ask you to fill out a health questionnaire.


What affects my rate with Quotacy

Typically, insurers will assess the following factors:

  • Overall health. This includes any pre-existing medical conditions or any medications you’re taking, like for high blood pressure or cholesterol.
  • Family health history. Providers look at your family’s history of certain health conditions, like heart disease or cancer, to help determine your risk.
  • Tobacco and alcohol use. Rates are typically higher for smokers, and any history of alcohol abuse could lead insurers to deem you as a higher risk.
  • Occupation and lifestyle. If you work in a dangerous field or have high-risk hobbies like skydiving or motocross, you may see higher rates.
  • Driving record. A driving record with a DWI or other convictions within the past few years could cause your premiums to rise.

Quotacy factors in these main health components before it gives you a quote:

  • Current or previous tobacco or nicotine use
  • Height and weight
  • Blood pressure or cholesterol medications
  • Family history of heart disease, diabetes or cancer

How to get a quote from Quotacy life insurance

To compare quotes for term life insurance from Quotacy, you can fill out some info online and get results in about 5 minutes. If you want to get a quote for whole or final expense policies, you’ll need to give them a call at 844-786-8229.

  1. On Quotacy’s homepage, click Get your free quote now or Get Your Quote.
  2. Fill out some general information about yourself, including ZIP code, gender, birthdate and whether you are a smoker. Then click Show My Price.
  3. You’ll be presented with a base quote that you can then customize. If you’d like to continue, click Compare Policies, then click OK, Continue to answer a few health questions about your height and weight, smoking habits, heart health and family history.
  4. After answering the health questions, click View Policies to be presented with a list of quotes that you can customize to your desired length of coverage and coverage amount.
  5. If you’re happy with one of the quotes, click Choose to get started on your application.

I’ve signed up. What happens next?

Once you’ve completed the application and are approved, set up your online account. There you can manage your policy and possibly set up auto-pay to ensure payments are made on time.

Get quotes from Quotacy

What types of life insurance coverage does Quotacy offer?

Quotacy doesn’t actually issue policies — it’s a brokerage that partners with many life insurance companies. It allows users to compare quotes for the following coverage:

  • Term life insurance. Thanks to Quotacy’s partnerships, you can find quotes for policies lasting up to 40 years with a coverage amount of $50,000 to $10 million or more. With term life insurance, your premium is locked in for the life of the policy and your beneficiaries will receive a death benefit if you die during the term.
  • Whole life insurance. Along with offering lifelong coverage, whole life insurance builds cash value over time — and eventually, you can take out loans against your policy. Your premiums won’t increase during the life of your policy, however this policy is much more expensive than term life insurance.
  • Final expense insurance. Also known as burial insurance, this coverage is a form of guaranteed whole life insurance. It doesn’t require a medical exam, and you can’t be turned down due to health reasons. It’s designed to cover funeral costs and end-of-life expenses, so you can typically only buy up to $15,000 in coverage.

What riders can I add to my policy?

The rider options will come down to the insurer you choose. These are some of the most common riders you can use to enhance your coverage:

  • Accelerated death benefit rider. If you’re diagnosed with a chronic, critical or terminal illness, this rider allows you to access a portion of your death benefit while you’re still alive.
  • Child rider. This allows you to add term life insurance coverage for your children, and it can cover multiple kids.
  • Disability income benefit rider. This benefit pays out an additional benefit if you become completely disabled.
  • Waiver-of-premium rider. If you’re disabled or lose income because of an injury or illness, this rider pauses your premium payments for a period of time.

Quotacy life insurance reviews and complaints

Quotacy has a great reputation on TrustPilot, with 93% of over 1,000 customer reviews falling into the excellent category. Customers praise its easy, fast and helpful services.

Quotacy is also accredited with the Better Business Bureau and holds an A+ rating from the organization.

AM Best financial rating A+
BBB accredited Yes
BBB rating A+
1/5 out of 2 customer reviews
Trustpilot score 4.9/5 out of 1,352 customer reviews
Customer reviews verified as of 06 August 2021

Compare life insurance companies like Quotacy

How does Quotacy protect my data?

Quotacy collects your personal information in order to provide quotes from the insurance providers it works with. Your personal info isn’t saved unless you decide to submit your application. Once you submit an application, your information won’t be sold but could be used to offer you other products and services. Quotacy notes that no system is completely secure, but there is “reasonable data security and privacy practices and procedures in place” to protect your personal data.

Which life insurance providers does Quotacy work with?

Quotacy helps you compare term life insurance plans from the following top-rated providers:

  • AIG
  • AXA
  • Banner Life
  • Haven Life
  • John Hancock
  • Lincoln Financial
  • Minnesota Life
  • Pacific Life
  • Principal
  • Protective
  • Prudential
  • SBLI
  • United of Omaha
  • U.S. Life
  • William Penn

Depending on your policy preferences, Quotacy will offer a detailed list of pros, cons and options for each company that offers a life insurance policy that fits your parameters.

If you’d like to compare permanent life insurance policies, you’ll need to give the Quotacy team a call to discuss your options.

Frequently asked questions

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.

Learn more about our methodology here.

Your reviews

Not enough reviews Write a review

Ask a question

Ask a question

Katia Finder


Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Go to site