Free, anonymous life insurance quotes in 60 seconds.

Yes. Every quote on Insurancy is 100% free, with no credit card, no purchase obligation, and no hidden fees. You can compare unlimited carriers and policy types as many times as you like.

No. The entire quote process is anonymous. We never ask for an email address, phone number, or Social Security number to see real-time rates. You only share your contact information when you choose to apply for coverage.

The rates you see are the actual rates from each carrier, pulled in real time directly from their pricing engines. They are based on your age, state, health profile, and the coverage you select. As long as your application matches what you entered in the quote, that is the price you pay.

Insurancy compares dozens of A-rated U.S. life insurance carriers including Banner Life, AIG, Mutual of Omaha, Foresters Financial, Pacific Life, Prudential, Lincoln, Protective, Transamerica, Symetra, Americo, North American, John Hancock, Penn Mutual, and more.

You can compare every major type of life insurance, including 10/15/20/25/30-year term, return of premium term, no-medical-exam (simplified issue), instant issue, guaranteed acceptance, whole life, universal life, indexed universal life, final expense, accidental death, and group life policies.

Term life covers you for a set period (typically 10 to 30 years) at the lowest premium and is best for income replacement during your working years. Permanent life insurance (whole life and universal life) covers you for life and builds cash value you can access later. Final expense is a small whole-life policy ($5K to $50K) designed to cover funeral and end-of-life costs, with easier underwriting for older adults.

Not always. Many carriers offer no-medical-exam policies (also called simplified issue) where you only answer health questions. Some offer instant decisions based on prescription history and other database checks. Traditional fully underwritten policies that do include a medical exam often offer the lowest rates if you are in good health.

Many of our carrier partners specialize in non-standard health situations including diabetes, high blood pressure, anxiety or depression, cancer survivors, sleep apnea, heart conditions, and tobacco use. Run a quote anonymously to see your real options. You will see actual rates without needing to call anyone.

Less than 60 seconds. Enter your state, date of birth, gender, tobacco use, and the coverage amount and term you want, and the quote tool returns instant rates from every matching carrier.

Yes. Many of our carrier partners offer fully digital applications with instant or same-day decisions. After you find a rate you like, you can click through to apply directly. You can also work with one of our licensed U.S.-based agents at no extra cost if you want help with the application.

No. Insurancy does not sell, rent, or share your personal information with third-party lead-buyers or marketing aggregators. Because we operate the quoting tool ourselves, you can run unlimited quotes without ever putting yourself on a marketing list.

Three things. First, true anonymity: you can see real rates without giving up your email or phone. Second, real prices: we display the actual carrier rates, not generic estimates. Third, real people: our licensed U.S.-based agents are available at no cost when you want guidance, but never required.

It depends on the policy type. Instant issue and simplified issue policies can be approved within minutes. Fully underwritten policies with a medical exam typically take two to four weeks. Final expense policies often issue in a few days. Your quote will indicate which underwriting path each carrier uses.

Going to a single carrier shows you one set of rates. Insurancy shows you side-by-side comparisons across dozens of carriers in one place, which routinely uncovers savings of 30 to 60 percent on the same coverage. Independent agents like Insurancy work for you, not the carrier, so we are paid the same regardless of which carrier you choose.

Yes. A Social Security number is never required to get a quote on Insurancy. It is only requested at the application stage by the carrier, and only because it is needed for them to verify identity and run the underwriting check required to issue a policy.