Information You'll Need to Get a Quote
A useful quote reflects your specifics, so have these ready:
- ✓Your date of birth or age
- ✓Your sex
- ✓The state where you live
- ✓Tobacco or nicotine use
- ✓A general sense of your health and any conditions
- ✓The coverage amount you are considering
Ways to Request Quotes
You can gather quotes by phone with a licensed agent, through an insurer's website, or from an independent agent who represents several carriers.
Phone and independent agents can compare multiple companies at once, which often surfaces a better fit than a single online form.
Get a Personalized Rate in Minutes
Speak with a licensed agent who can quote actual rates based on your age, state, and health — free and with no obligation.
Phone hours: Mon–Fri 8am–8pm ETWhy Quotes Vary Between Carriers
Each carrier uses its own underwriting and pricing, so the same person can receive noticeably different quotes.
That is exactly why comparing several is worthwhile — one company's rate for your age and health may be much better than another's.
Turning a Quote Into a Policy
A quote is an estimate, not an approval. To move forward, you complete an application, answer any health questions, and let the carrier finalize underwriting.
Decisions are often quick since there is no medical exam.