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.