About Us

Get covered in 10 minutes or less! Pick the type of life insurance you’re interest in!

About Us

We provide Instant Decision Life Insurance. You can quote, customize, and buy life insurance in 10 minutes or less!

Why work with quote bot?

We simplify the insurance quoting and application process without sacrificing your freedom of choice. You see what an agent would see, there is no hidden information. Then you can make decisions on your own, apply, and receive an instant decision all in less than 10 minutes.

Fast Quoting Process

Our quoting process takes about a minute to complete and view your quote. We also instantly update your quote with any changes you would like to see, without having to start all over!

Instant Decision Underwriting

For many, you can go from our quote to a completed purchase in less than 10 minutes! Our Instant Decision process keeps you from having to wait around to see if you qualify.

Solutions That Fit Your Needs

We pride ourselves in providing high-quality and well-planned solutions no matter how big or small your need is. Our solutions will bring you from concept to completed purchase in minutes!

Our History

Our Background

Our founders started Broker Backoffice back in 2011 to help shape the direction of the management of agents and the day-to-day operations for those supporting the insurance industry. Scott, our Founder and CEO, also has more than 20 years of experience working with people looking to buy insurance as well as working with agents to learn how to thoughtfully and wisely provide insurance solutions to their clients. The concept of Quote Bot came about from the combination of all of these experiences. We live in a day of many voices, all with a different sales pitch or story regarding insurance, and we believe that confuses the consumer and keeps many from understanding, buying, or keeping the life insurance they need for their family or business. So Scott decided we needed to make a change and take his years of experience to empower the consumer to make informed decisions, customize the coverage they want, and buy life insurance when they are ready with the process taking only minutes versus weeks.

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 each customer approximately 10 minutes to complete. We are unique from our competitors for a few reasons:

  1. We are truly focusing on an agent-less experience.
  2. We deliver well-thought-out solutions that help a client understand their insurance needs and act on them instantly.
  3. We deliver a simple, create-your-own-quote process that also allows you to buy when you’re ready and receive instant approval.

Why an Agent-less experience?

We certainly have nothing against agents. The experience and insight they can provide (at least the good ones) is invaluable. We just believe that with the search capability of the internet and the desire of consumers to find supporting truths or background information, this often is difficult to reference against a conversation with an agent (parts of it may not be but context is everything. Then there is sorting through the insurance products and features, what is best, why, and so on. We believe when you can see your rates, and see what features are available (and see the instate pricing update), the process is faster and you can be informed. You don’t have to wait around for another appointment to see your results, they are right there on the screen for you to see. And finally, the application. Our process brings you seamlessly into the application and allows you to verify the rate that was quoted (based on a quick pre-qualification) and then finish the application and receive an instant decision…yes, you can buy and finalize your coverage right then and there. The old agent process took another appointment to be scheduled to complete a paper application, then do medical exams, and then possibly wait weeks to learn if you were approved or not and at the rate you were shown.

Where We Are Licensed

We are proudly licensed in all 50 states plus Washington D.C.. We accomplish this licensing through our Founder, Scott Karstens, as we add our Agency licenses in each state as well. You can CLICK HERE to see what states we hold an agent and or agency license.

Our founders

Scott Karstens

Founder & CEO of Quote Bot

Paul Janisko

Founder & Chief Technical Officer

Collin Mitchell

Founder & Head of Strategic Relationships

How Do We Get Paid?

A common question we receive is “how do you get paid?”. The answer is that 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 (making it easy for you to buy the product) and for servicing you once you have bought a product. This payment does not change the pricing for your insurance and it’s not something that can be changed. All insurance operates this way. We get paid the least on 10 year term insurance, and we get paid the most on 20 year term and 30 year term insurance. We strive to provide the best information and resources for you to make sound decision regardless of what we make for the product you purchase.

Education Articles


    An Agent-Less Process

    Life is busy, and most people don’t have the time to buy life insurance the traditional way. We get it. So we’ve made it possible for you to quote, customize and buy life insurance in less than 10 minutes without needing an agent.

    An Agent-Less

    Life is busy, and most people don’t have the time to buy life insurance the traditional way. We get it. So we’ve made it possible for you to quote, customize and buy life insurance is less than 10 minutes without needing an agent.