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Deteriorated risk guarantee: Life insurance with the best price



Get the best life insurance rates for reduced risk

Not all life insurance companies evaluate risk factors in the same way. Depending on the risk, some companies are more lenient than others under insurance.

For example, marijuana use, depression, and Visa holders are some of the most common factors we see here on Quotacy. There are specific life insurance companies that are best for each of these cases. And by "best" we mean that they will offer the best price.

Application to the right insurance company

When you apply through us, you choose an insurance company after seeing life insurance quotes. Don't worry though; It is not your job to know which insurer is best for you. We recommend that you use the cheapest option as we will double check if it is a good match after you have submitted your application.

 quote tool policy options [19659004] Market Shopping

Your Quotacy agent reviews your application before going to the insurance company. If the agent sees that you have a particular risk factor that best matches with another insurer, we will reach out, explain your options and set realistic expectations.

Quotacy works with over 25 of the best life insurance companies in the country. The advantage of this is that we can shop around to find the one that offers you the best possible price. We trade the market at no extra cost to you.

The key to making sure we find the best price is that you give us honest information in advance. For example, if you have anxiety, but do not tell us that you have been hospitalized for a panic attack, we do not have all the necessary information to match you with the perfect insurer in time. Weeks later, after we have submitted your application to the insurance company, they will find out about the hospital stay through your medical records. At this point, it is not too late for us to switch you to a lighter insurer if there is one, but it only delays how soon you get coverage.

By giving us all the necessary information in advance, we can ensure that you are matched with the best insurer before we even officially submit the application.

As a life insurance broker, Quotacy is an advocate for you, not the insurance companies. We are here to help you buy affordable life insurance that protects your family.

Start the process by obtaining free quote insurance today. No contact information is required to see prices in real time.

Image credit to: @kayp


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