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These are solutions that take the confusion out of understanding
your life insurance need. Pick the process best for you and you can be done in minutes!
Here are 3 of our done-for-you solutions
Personal Solutions!
We have designed personal solutions to help you understand and buy the life insurance coverage you need! Click “Get a Started” on the solution you’re interested in and you can plan, quote, customize, & buy in minutes!
We have designed personal solutions to help you understand and buy the life insurance coverage you want! Click “Get a Quote” on the solution you’re interested in and you can complete it in minutes!
Income Replacement
An easy way to determine your life insurance need, continuing your income, so your family can continue their current lifestyle.
Needs Analysis
An easy way to determine your life insurance needs using the D.I.M.E. Method so you don’t have to guess about coverage.
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!
Take a look at 10 Year Term Insurance
How much does life insurance cost?
Age | Gender | $100,000 | $250,000 | $500,000 | |
25 25 25 | Female Male Instant Decision | $7.66 $9.40 Instant Decision! | $10.01 $14.36 Instant Decision! | $13.92 $22.62 Instant Decision! | |
35 35 35 | Female Male Instant Decision | $8.53 $9.40 Instant Decision! | $12.18 $14.36 Instant Decision! | $18.27 $22.62 Instant Decision! | |
45 45 45 | Female Male Instant Decision | $12.09 $14.62 Instant Decision! | $20.23 $24.58 Instant Decision! | $34.37 $43.07 Instant Decision! | |
50 50 50 | Female Male Instant Decision | $17.05 $20.79 Instant Decision! | $29.15 $36.76 Instant Decision! | $51.77 $64.38 Instant Decision! | |
55 55 55 | Female Male Instant Decision | $23.84 $29.58 Instant Decision! | $42.20 $53.29 Instant Decision! | $73.52 $93.53 Instant Decision! | |
60 60 60 | Female Male Instant Decision | $34.02 $46.11 Instant Decision! | $61.77 $84.83 Instant Decision! | $107.88 $148.77 Instant Decision! | |
65 65 65 | Female Male Instant Decision | $51.94 $70.12 Instant Decision! | $95.48 $129.85 Instant Decision! | $164.87 $224.90 Instant Decision! |
These rates are based on a Male and Female in the State of Colorado, Best underwriting class, for 10 Year Term Insurance. This is not and offer, you will need to run your own quote and completed the application to verify your rates.
Curious about the different types of life insurance?
What are the different types of life insurance?
You may hear life insurance called by many different names but the different types of life insurance are generally categorized into two categories; Term Life Insurance and Permanent Life Insurance.
Term Life Insurance received its name because you are buying a death benefit for a specific number of years and typically your premium and death benefit is guaranteed to be the same throughout that specific timeframe. For example, the common term lengths you will see are 10-year term, 15-year term, 20-year term, 25-year term, and 30-year term. Term Life Insurance is the most affordable coverage option and is a good solution when you have a known timeframe of need that you will likely not need coverage beyond that point. You can click here to run a term life insurance quote.
What we Offer As Agentless
We offer 10 Year Term, 15 Year Term, 20 Year Term, and 30 Year Term Life Insurance. We will default the term length in your quote, based upon your age, but we allow you to change the term duration and immediately update the rate for you. If you’re on a desktop computer vs your phone, you can see these rates all on one page by simply scrolling down.
Whole Life Insurance is often referred to as a “Permanent Policy”. This is because a Whole Life Insurance Policy is designed to stay in force through your life expectancy (often to age 121). The typical Whole Life contract will guarantee that your policy will endow (cash value in the policy will equal death benefit) at age 100 or 121 or more depending on the company. This type of contract also has guaranteed cash growth, and non-guaranteed dividend-based cash growth. Whole Life is often more expensive than Term, Universal Life, or Indexed Universal life due to the contractual guarantees. Whole Life is attractive for its guarantees and can provide predictable cash value and death benefits.
Universal Life Insurance is another type of policy also referred to as a “Permanent Policy”. This is because the typical Universal Life contract will accumulate cash value at a fixed interest rate and as long as there have not been loans against the policy or withdrawals taken out of the policy, it is designed to stay active past typical life expectancy. Through product innovation and design, there are now Universal Life contracts that can guarantee your that your death benefit last as far as age 120. Universal Life is more expensive than Term Life Insurance, but often less expensive compared to Whole Life Insurance or Indexed Universal Life Insurance. Universal Life is attractive for its flexibility and can provide competitive cash value accumulation.
Indexed Universal Life is another type of life insurance that is referred to as a “Permanent Policy”. This is because the typical Indexed Universal Life contract will accumulate cash value and as long as there have not been loans against the policy or withdrawals taken out of the policy, it is designed to stay active past typical life expectancy. Indexed Universal Life is all called “Indexed” because cash value accumulates inside the policy based on the growth of an Index, such as the S&P 500. Through product innovation and design, there are now Indexed Universal Life contracts that can guarantee your premiums and your death benefit as far as age 120. Universal Life has gained and maintained popularity due to its upside potential for cash growth and flexibility of the contract as well.
Variable Universal Life is another type of life insurance referred to as a “Permanent Policy”. This is because the typical Variable Universal Life contract will accumulate cash value and as long as there have not been loans against the policy or withdrawals taken out of the policy, it is designed to stay active past typical life expectancy. Variable Universal Life is all called “Variable” because cash accumulates inside the policy based on the growth of Sub-accounts. These sub-accounts, though they may seem like they are mutual funds, they are not. They do however function similarly and are based on the underlying securities or markets for the investment. These Sub-accounts also carry a fee for the investment company managing them. Through product innovation and design, there are now Variable Universal Life contracts that can guarantee your premiums and your death benefit as far as age 120. You need to work with a Registered Representative of a broker-dealer to purchase Variable Universal Life Insurance.
What does Life Insurance cover?
Life Insurance provides peace of mind to your loved ones or business partners. In our education article 37 Uses of Life Insurance we reference may more uses for life insurance, but here are a few popular reasons people like you buy life insurance:
- Mortgage Replacement
- Debt Elimination
- Income Replacement
- Education Funding
- Funeral Expenses
- Estate Planning
- Chronic Illness
- Critical Illness
- And more!
How do I Buy Life Insurance?
Thankfully we have made buying life insurance fast and easy, the entire process takes less than 10 minutes for most. Here are 5 easy steps to buy life insurance through Quote Bot:
Step 1: Start a quote. This process takes less than a minute because we need very little information to instantly show you a quote that you can customize. You just need to know your name, date of birth, state, general health, and tobacco status. We always send you a link to this quote for you to refer back to.
Step 2: Continue application. On your quote, we provide a link to continue to the application. This brings your first through a short pre-qualification so you know if you’re expected to qualify. This process can be as fast as two minutes to complete.
Step 3: Complete application. Once you see the pre-qualification results you can complete the application. This process takes between 5-10 minutes depending on your health history and customizations chosen. You will receive another instant verification of your expected eligibility before you sign your application. You will also put your payment information in on this step, but you are not charged until the insurance company has approved your signed application.
Step 4: Sign your application. After you received your approval you will be able to instantly electronically sign your application. Once you finish your signatures, we bring you back to the final decision page and the Insurance Company will let you know within 90 seconds of your approval status. The insurance company will send your policy for electronic delivery after you’ve been approved!
THAT’s IT! It really is that simple and for most, this can be completed from beginning to end in 10 minutes or less.