Licensing & Legal Disclosures
How our referral service works, how we are paid, and how to verify the agent you speak with.
Referral Service Notice
LifePlanQuotes.com is an independent digital consumer marketplace and referral service. LifePlanQuotes.com is not an insurance company, does not underwrite insurance policies, and does not employ in-house insurance agents. All life insurance and final expense policies described or referenced on this website are issued, underwritten, and administered by independent third-party insurance carriers licensed and authorized to conduct business in their respective states.
How Our Referral Service Operates
When you call our toll-free phone number (888) 681-6320, during phone hours (Mon–Fri, 8 a.m.–8 p.m. Eastern Time) your call is routed to an independent, third-party insurance agent or broker who should be licensed in your state of residence. The licensed agent will discuss your specific coverage needs, health profile, and budget, and provide quote options from carriers they represent. LifePlanQuotes.com does not provide insurance advice, make underwriting decisions, or issue policies.
Verify the Agent's License
LifePlanQuotes.com does not hold or display an insurance license of its own. Before you apply, ask the agent for their full name, agency, and state license number, then confirm the license with your state insurance department. You can find your state's department through the NAIC directory of state insurance departments.
No Fee to Use This Service
There is no charge to use this website, call the phone line, or receive a quote, and you are never obligated to buy. Premiums are set by the insurance company; ask the agent whether any fees apply to the specific policy you are considering.
Compensation Disclosure
LifePlanQuotes.com may receive referral compensation from marketing partners, agencies, or carriers when consumers call our phone number or purchase a policy through connected licensed agents. We do not expect this compensation to change the premium an insurer charges you, and it does not determine the content of our informational guides.
Underwriting Disclaimers
Sample rates, monthly premiums, and quote estimates displayed on LifePlanQuotes.com are illustrative examples only. They are not quotes, not insurer rates, and not survey averages. Actual approved rates are determined solely by the issuing insurance company upon completion of standard underwriting, which may include reviewing prescription histories, motor vehicle records, medical records, and medical questionnaires.
Speak With a Licensed Agent in Your State
Call (888) 681-6320 (Mon–Fri 8am–8pm ET). Free quote comparisons from the insurers the agent represents.