Editorial Standards
At Quote-Bot, we want to help you find and buy the right life insurance for your situation — without needing to speak to an agent. We strive to give you well-thought-out, well-informed, and transparent information so you can make confident buying decisions for yourself and your loved ones.
Accurate
Every fact is reviewed and sourced before publishing.
Transparent
We disclose how we earn and what sources we use.
Up to Date
Articles are regularly reviewed and updated as industry data changes.
About Quote-Bot Content
We give you information and instant price access that few websites will. We show you instant, actual pricing — called a quote — and we allow you to customize it to your liking right there on the screen without having to start over. We also provide well-thought-out solutions that do the work of figuring out how much life insurance you need.
We follow the Society of Professional Journalists’ code of ethics. In some cases, our own proprietary information and data may be used to write about a company or product. The information presented comes from our collective personal experiences, industry data, customer feedback, and opinions.
Editorial Process
Scott Karstens, the Founder and CEO of Quote-Bot, is responsible for all content on quote-bot.com, along with our content team. Before publishing any article, our content goes through a structured review process to keep us from publishing mistakes and to keep the most relevant content in front of you.
Occasionally, we consult with experts to provide insight into a topic if we feel it adds value to your experience. When third-party experts are consulted, we thoroughly validate their professional experience to ensure they are fully qualified to provide commentary on the topic.
Research & draft — Content is researched using verified sources and written by our editorial team with industry experience.
Fact-check & edit — Sources are verified, facts confirmed, and the content is edited before publication.
Ongoing review — Published articles are revisited regularly as rates, regulations, and industry data change.
Sources & Citations
Content appearing on quote-bot.com may include data from the following sources. Every statistical reference will include proper attribution to the contributing author.
Third-party experts — We occasionally consult with professionals outside of Quote-Bot for specialized topic insight.
Subject Matter
We write about subjects related to life insurance and the life insurance planning process. This content may reference investment and/or tax planning, but we do not provide investment, tax, or legal expertise. We write each article to address a particular need or topic to help you make educated decisions about buying life insurance.
Customer Reviews
Various portions of our website display actual reviews from Quote-Bot customers. We utilize Google My Business for reviews and publicly view and reply to all reviews. After each customer’s quote or finalized application, we invite them to share their experience. Whether good or bad — all customer reviews are visible on the Google My Business website.
Updating, Correcting & Deleting Content
We regularly review and update existing articles. It’s common for insurance carriers to change their rates, applications, and underwriting. We also operate in a frequently changing regulatory and tax environment. This may mean we will delete articles that become obsolete over time.
When we become aware of an error, we promptly update the content to remove erroneous information. Found an error? Let us know at editorial@quote-bot.com.
Transparency & Privacy
💰 How We Get Paid
The insurance companies we work with create products such as 10-year term, 20-year term, and 30-year term. We get paid by the insurance company for distributing the product and for servicing you once you have bought a policy. This payment does not change your pricing — all insurance operates this way.
We get paid the least on 10-year term insurance, and the most on 20- and 30-year term insurance. We strive to provide the best information regardless of what we make on a particular product.
🤝 Affiliations
Quote-Bot is an independent insurance agency and is not affiliated with any insurance carrier. We do represent these companies for compensation, and these earnings are at no additional cost to you. They do not influence our editorial content and we only recommend products we believe in.
🔒 Privacy
Quote-Bot is licensed in all 50 states and Washington D.C., either directly as an Agency (QB Insurance LLC) or through our Founder, Scott Karstens. We do not sell your information to any third party. To learn how we use information to better serve you, please see our Privacy Policy.
Transparent by design. Ready when you are.
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