iQ Instant Quotes

Instant Insurance Quotes

Compare insurance rates from 150+ carriers, instantly — real quotes from all the top carriers, and the lowest rates anywhere.

✓ 150+ Carriers✓ No Agent Needed✓ Get Quotes Instantly
EthosHaven LifeForestersMutual of OmahaAmerican NationalProtectiveCorebridgeLincoln FinancialPrudentialPrincipalPacific LifeJohn HancockTransamericaBestowEthosHaven LifeForestersMutual of OmahaAmerican NationalProtectiveCorebridgeLincoln FinancialPrudentialPrincipalPacific LifeJohn HancockTransamericaBestow

Coverage for every stage of life

We quote over 14 solutions so your coverage aligns with your goals — protection, accumulation, or legacy.

Term Life

Affordable coverage for a set period — the top choice for income protection.

No Medical Exam Life

Approved on health questions alone — often in minutes, no physical.

Universal Life

Flexible permanent coverage with adjustable premiums and cash value.

Return of Premium

Term coverage that refunds your premiums if you outlive the policy.

Guaranteed Issue

No health questions, no exam — guaranteed acceptance within age limits.

Final Expense

Smaller whole-life policies for funeral and end-of-life costs.

Living Benefits

Access your death benefit early for qualifying critical illness.

Agentless Term Life

A fully self-serve, digital path for healthy buyers.

Whole Life

Permanent coverage that never expires, with cash value that grows.

Instant Issue up to $1M

Up to $1,000,000 with instant underwriting for qualified applicants.

Instant Issue up to $5M

High-coverage instant issue for those who need serious protection fast.

Health Insurance

Individual and family health plans, plus expert guidance from licensed specialists.

See all coverage options →
The independent advantage

When carriers compete, you win

You're not limited to a single carrier or a one-size-fits-all solution. We do the heavy lifting across 150+ companies.

Compare 150+ carriers

See real rates side by side — no account required.

No exam options

Many policies approved in minutes, on health questions alone.

Expert guidance, no cost

Licensed agents help you find the right fit — never the highest commission.

Same price, better service

Rates are set by carriers. Our help costs you nothing extra, ever.

These are your two best choices
Best value
$18.97 /mo
Prudential
★★★★★
Continue
Recommended
$20.34 /mo
Ethos
★★★★★
Continue
$20/mo
EthosContinue
$24/mo
Haven LifeContinue
$30/mo
Mutual of OmahaContinue

Don't guess. Compare prices of every carrier at once.

Compare dozens of carriers

We filtered 150+ top-rated carriers down to the best of the best — and show you real prices online, instantly. No account needed.

See more than just a price

Not just numbers. Compare product features, carrier ratings, and the details that actually matter for your decision.

We quote every product

We don't push one product because it pays us best. We quote 14+ solutions to find the right fit for you.

Mother and baby

They're counting on you

Life insurance is the foundation of a solid financial plan — and it's more affordable than most people think. The sooner you lock in coverage, the lower your rate.

Daniel shops 150+ carriers to find the right fit for your family, your budget, and your goals. No pressure. No obligation.

Check my price
Rather learn on your own?

Guides

Plain-spoken, no-pressure resources from a 36-year industry veteran. Browse the full library →

Common questions

Everything you want to know

How is this free?
When you purchase a policy, the carrier pays us a commission that's already baked into the carrier's pricing — it doesn't change whether you use an agent or buy direct. So you get expert guidance and a real comparison of 150+ carriers at no extra cost to you.
Do I need a medical exam?
Not necessarily. Many carriers offer no-exam life insurance approved on health questions alone, often in minutes. We'll help you find the best fit for your health profile and budget.
How many carriers do you compare?
More than 150 across life and health insurance, including Mutual of Omaha, Protective, Transamerica, Corebridge, and Pacific Life. This breadth means we can almost always find a policy that fits — even for people with health conditions.
How long does it take to get a quote?
About 10 seconds. Enter some basic information and our system pulls real-time rates from multiple carriers instantly — no waiting, no callbacks required.
Can I talk to someone before deciding?
Absolutely — and we encourage it. Daniel is happy to walk you through your options at no charge. No pressure, no obligation.

Ready to find the right coverage?

Get your quote in seconds, or talk to Daniel. No cost either way.