Why Use Instant Decision Life Insurance?

Published December 01, 2022

The quick answer: because it is fast, secure, and easy.  You can quote, customize your coverage, and buy life insurance in 10 minutes or less!  You don’t need to schedule an appointment and sit through a sales pitch, in just a few minutes you can be insured! 

Instant Decision Life Insurance

You can quote, customize and buy life insurance in 10 minutes or less! No need to wait to speak to an agent, you got this!

Quote-Bot gives you easy access to solutions like you have never had before whether you are an individual or a small to medium business owner:

  • No agent is required. Quote-Bot is licensed in all 50 states.
  • Selecting a product is fast and simple. You can choose between 10yr, 15yr, 20yr, and 30yr term life insurance products and we instantly show you the rate of all durations you may be eligible for.  You will not be inundated with a dizzying array of options that requires a licensed agent to decipher, we automatically show you our suggestion based on your age, but you can easily pick what you would like!
  • Pricing is straightforward. Our quote starts with pricing so you can see it right away, then we bring you through a quick pre-qualification to help verify your pricing.  Then when you apply, your pricing will be provided instantly once you are approved. No more waiting days or weeks for your agent to get around to it.
  • We also automate service. We pride ourselves in an automated, agent-less process, but we won’t hide the ability to connect.  We have provided an automated bot to help answer questions all along the way a well as helper videos all throughout your application.  During the application process, there will be licensed agents available by chat or phone if you feel like you’re stuck. 

Our Instant Decision Underwriting Process Allows You to Complete the Process in 10 minutes or less.

There are three simple steps to our process that should only take you 10 minutes.

  1. Get an Instant Quote. It all starts with getting an instant quote to select the coverage you want.
  2. Apply online. The short application will ask for personal and health information. While you are filling this out the insurance company will be searching public information sources for things such as your prescription drug history or driving record and more to augment the information you provide.
  3. Wait briefly for our decision. Our system is similar to the underwriting process traditional insurers use today but with no interference from humans for many. You can receive our instant decision in 90 seconds or less!

10 minutes later you have a decision, if you are approved, and once you make your first monthly or annual payment you are now insured.

Who is Instant Decision Life Insurance Best For?


Actually it’s best for those ages 18-65 and the healthier you are the more likely you are to receive the instant decision you want without needing an exam.  

We find a wide variety of customer types trying our instant decision process:

    • New parents. There are few better uses for life insurance than to protect families. Many younger parents are purchasing life insurance for both.
    • Newly married couples.  Starting a new life with your new spouse means you want to provide for eachother, even if the unexpected were to happen.
    • Small and medium businesses. Much like a young family, an unthinkable occurrence is losing a key person in the business. Life insurance is the preferred method to keep the business operating while it adjusts to life after a key person is lost. 
    • Stay-at-home mothers or fathers. This is an often-overlooked need when families are considering life insurance. It doesn’t take much imagination to see the many risks to a family when the unexpected happens to a mom.
    • Homeowners. If you have a family, spouse or domestic partner, making sure they can stay in the home you worked so hard to buy/build is extremely powerful.
    • College graduates. Everything is in front of them and so often there is little thought given to what is around them. 
    • Business owners (and their employees). It’s a huge time saver. No appointments are necessary and no confusing plans.
    • Empty nesters. While the kids may be gone from the home, the needs for the overall family remain. 
    • Fast-Paced Executives. They can control this at any time with no worry about having meetings or Zoom calls.

Which Type of Insurance is right for you?

Everyone has their own needs, wants, and wishes for buying life insurance. Ultimately the best life insurance policy is the one that pays out to your beneficiaries when you need it to. Working with a Quote-Bot will help you find a budget-conscious life insurance plan to make sure your family members or business partners are properly taken care of when you need them to be. Here are two of our most popular term life insurance products.


10-year term life insurance

20-year term life insurance

  • Low Premium Payments
  • Level Premium for 10 Years
  • Level Death Benefit
  • Coverage for a Shorter Needs
  • Able to Convert to Permanent Insurance
  • Generally Provides a Tax-Free Death Benefit
  • No Cash Value Accumulation
  • Low Premium Payments
  • Level Premium for 20 Years
  • Level Death Benefit
  • Coverage for a Longer Needs
  • Able to Convert to Permanent Insurance
  • Generally Provides a Tax-Free Death Benefit
  • Possible to have Return of Premium

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!

Frequently Asked Questions

Nuestro proceso y nuestras soluciones están diseñados para ayudar a eliminar la necesidad de hablar con un agente. Pero sí, puede hablar con un agente si lo desea. Puede utilizar la función de chat de esta página o llamar y hablar con un agente.

Our process and solutions are designed to help remove the need to talk with an agent.  But yes, you can speak with an agent if you like.  You can use the chat feature on this page or call and speak with an agent.

El impago de una prima es un asunto importante que hay que tener en cuenta y, afortunadamente, existen programas que le ayudan a recibir una notificación en caso de impago. Normalmente, dispone de un periodo de gracia de unos 30 días para efectuar el pago. La compañía de seguros le enviará un correo electrónico, pero también puede enviarle correo en papel, para informarle del problema de pago y darle instrucciones sobre cómo resolverlo. Si no efectúa ningún pago durante el Periodo de Gracia, tendrá que volver a someterse al proceso de suscripción para mantener su cobertura.

Missing a premium is an important thing to know about and thankfully there are programs in place to help notify you if you do miss a payment. Typically you have around a 30-day grace period to make your payment. The insurance company will email you but may send you paper mail, making you aware of the payment issue and giving you instructions on how to resolve it. If you do not make a payment during the Grace Period, you will have to go through underwriting again to keep your coverage.

Si tiene entre 18 y 50 años y solicita una prestación por defunción de hasta 1.000.000 $, o si tiene entre 51 y 65 años y solicita una prestación por defunción de hasta 500.000 $, es posible que no necesite someterse a un examen. Cuando presenta una solicitud fuera de esas edades o prestaciones por defunción, se le exige un examen médico. No te preocupes, te ayudaremos a organizarlo. Estos exámenes son obligatorios (si son necesarios) para que la compañía de seguros pueda comprobar si cumple los requisitos y el importe de la prima.

If you are age 18-50 and applying for up to $1,000,000 of Death Benefit, or ages 51-65 applying for up to $500,000 of Death Benefit, you may not need an exam! When you apply outside of those death benefits or ages, you are required to have a medical exam. Don’t worry, well will help arrange that for you. These exams are required (if needed) so the insurance company can verify your eligibility and your premium amount.  

Decisión instantánea significa que le comunicaremos inmediatamente (posiblemente hasta en 90 segundos) si ha sido aprobado o no, si necesitamos más información, si ha sido rechazado o si necesita un examen. No hace falta esperar mucho para obtener respuestas.

Instant decision means that we will let you know immediately (possibly up to 90 seconds) whether or not you are approved, if we need more information, if you were declined or if you need an exam. No need to wait around very long for answers.

Nuestro proceso de Decisión Instantánea tarda 10 minutos en completarse para la mayoría. Algunos son más rápidos, otros más lentos. La buena noticia es que una vez que haya terminado de rellenar su solicitud, le daremos las respuestas al instante o en un plazo de 90 segundos más o menos. Es rápido.

Our Instant Decision process takes 10 minutes for most to complete. Some are faster, some are slower. The good news is that once your done with your application, we give you answers anywhere from instantly or up to a 90 second wait or so. It’s Fast!

No. Nos esforzamos por ofrecer una solución que le permita ir de principio a fin en cuestión de minutos sin necesidad de hablar con un agente.

No. We strive to provide a solution that allows you to go from beginning to end in minutes without the need for speaking to an agent.

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.