We put you in control of buying insurance
No pressure, no confusion. A transparent process designed around how you want to buy — independently or with expert guidance.
Fast, real-time quotes
Get your personalized quote in about a minute. Adjust coverage and see updated prices instantly.
With or without an agent — your choice
Buy completely on your own, or connect with a licensed expert anytime. No pressure either way.
Instant underwriting decisions
Most applicants receive approval in minutes — no medical exam required for many policies.
How Quote-Bot came to be
How 25+ years of insurance experience became a consumer-first platform.
What We Do
We offer instant decision life insurance that allows consumers to quote, customize, and buy life insurance without the need for an agent’s involvement. This process typically takes approximately 10 minutes to complete. We are unique for a few key reasons:
We are truly focused on an agent-optional experience — you see exactly what an agent would see, with no hidden information.
We deliver well-thought-out solutions that help clients understand their insurance needs and act on them instantly.
We deliver a simple, create-your-own-quote process that lets you buy when you’re ready and receive instant approval — right then and there.
Why an agent-optional experience?
We certainly have nothing against agents. The experience and insight they can provide is invaluable. We just believe that with today’s internet and consumers wanting supporting information, you deserve to see exactly what an agent sees — no hidden pricing, no waiting for callbacks.
Our process brings you seamlessly into the application, lets you verify the quoted rate, finish the application, and receive an instant decision. You can buy and finalize your coverage right then and there — no paper applications, no medical exams, no waiting weeks.
No waiting for appointments
Skip the back-and-forth. See your rates and apply on your own time, 24 hours a day.
Full transparency
You see exactly what an agent would see — every rate, every feature, every option — with nothing hidden.
Instant decisions
No medical exams. No paper applications. No weeks of waiting. Get approved in under 10 minutes.
Licensed in all 50 states + DC
We are proudly licensed across the entire country through our Founder, Scott Karstens.
Our Founders
Combining decades of insurance experience with a vision for a better consumer experience.
Scott Karstens
Licensed since 2001, Scott’s vision to empower consumers with transparency and speed became the foundation of Quote-Bot’s instant decision platform.
Paul Janisko
Paul brings the technical vision that makes Quote-Bot’s seamless quoting, application, and instant decision experience possible for consumers across the country.
Collin Mitchell
Collin drives the partnerships and strategic relationships that expand Quote-Bot’s reach and enable more consumers to access fast, transparent life insurance solutions.
How do we get paid?
The insurance companies we work with create products such as 10-year term, 20-year term, 30-year term, and so on. We get paid by the insurance company for distributing the product and for servicing you once you have a policy.
This payment does not change the pricing for your insurance — it’s not something that can be changed, and all insurance operates this way.
Ready to get covered in 10 minutes?
Instant decision underwriting. Transparent pricing. No pressure. Licensed in all 50 states.
