Buying life insurance can be an exhausting process. You have to choose the type of policy you need (term versus whole life, for example) and the amount of coverage you need. Then, you’ll have to shop around for the right provider, who will not only approve you but charge you a fair price.

All of that can leave your head spinning. But that’s where Quotacy comes into the picture.

Quotacy seeks to simplify the life insurance shopping process. They are with you from start to finish, matching you with the coverage options and providers that fit your lifestyle. And best of all, their service is entirely free to use.

Let’s take a look at what makes Quotacy different and why it should be one of your first stops next time you shop around for life insurance coverage.

Related: Where to Find Cheap Life Insurance

What Is Quotacy?

If you’re looking for somewhere you can calculate the amount of life insurance coverage you need, get informed about different policy options, and get affordable quotes from multiple providers, all in one place, Quotacy has you covered.

You should note that Quotacy is not a life insurance provider. Rather, it is an informative platform that helps you find a policy, from start to finish. When shopping through Quotacy, you’ll get quotes from the following insurance providers:

  • AIG
  • AXA
  • Banner Life
  • Haven Life
  • John Hancock
  • Lincoln Financial
  • Minnesota Life
  • Pacific Life
  • Principal
  • Protective
  • Prudential
  • SBLI
  • United of Omaha
  • U.S. Life
  • William Penn

Their full-service website is not just a quote aggregator, either — they also have invaluable resources that you can utilize when determining exactly what you need for your family. The website will allow you to calculate your coverage needs, learn about different insurance types, and even shop for prices.

Quotacy Features

One of the most helpful features from Quotacy is their coverage calculator. There, you can easily get an idea of how much coverage you need to purchase based on your family’s expenses, outstanding debt, and how long you want to provide for them after you’re gone.

You can also use their Advice section to learn all about term versus whole life coverage, see reviews of life insurance companies, discover things like insurance policy laddering, and more.

Once you’ve picked the type of insurance you should buy and the amount of coverage you need, you’ll use the Get Your Quote feature. This allows you to find the right provider and even sign up for coverage, all from one convenient place.

To get a quote, you’ll need to provide some simple information to Quotacy. This includes your:

  • Name
  • Date of birth
  • Gender
  • ZIP code

They will also want to know whether or not you smoke. Then, click submit and you’ll be taken to the policy adjustment slider. This feature makes it easy to see how coverage changes impact your premiums, so you can pick the policy that suits both your needs and your budget.

In order to get more specific pricing from insurance providers, you’ll need to add a bit more health-related info. This includes your:

  • Height and weight
  • Past or present tobacco/nicotine use
  • Blood pressure or heart medication
  • Family history of diabetes, heart disease, and cancer

The additional questions are quick and painless to answer and took me all of 30 seconds to complete. You’ll immediately be shown specific policy options and providers on the next screen.

From there you can move on to choosing a provider and buying the life insurance policy that fits you best.

Quotacy Pricing

Quotacy is free for you to use. You won’t pay a single penny to the platform while shopping for coverage, getting quotes, or even buying a policy.

There’s no conflict of interest when using Quotacy, either. According to their website, Quotacy’s agents are paid by salary, not on a commission. This means that they get paid the same whether you buy life insurance through them or not, so you don’t have to worry about any high-pressure sales or being directed to a product that’s not actually right for you.

How to Sign Up to Quotacy

Using the Quotacy platform to learn, calculate coverage needs, or solicit quotes is easy. No signing up is required; simply visit their website and get started.

When you’re ready to sign up for a specific policy, you can do so easily through Quotacy. Simply click Choose on the quotes page, next to the provider that you like best (you can view ratings and reviews here, too!). This will prompt you to create a Quotacy account, which requires your email address or linking your Facebook/Google account.

Once your account is created, you’ll be able to schedule a medical appointment (if required) and begin the process of finalizing your new policy.

Quotacy Security

en shopping for life insurance, you’ll be asked many personal questions. This can be concerning when it comes to your privacy.

Quotacy seeks to set customers’ minds at ease. According to their website,

“We won’t sell your information. Your data is safe with us. We won’t sell your email address or other contact info to third parties. When you share your personal information with us, it stays within our secure walls. …As providers of products and services that involve compiling personal—and sometimes sensitive—information, protecting the confidentiality of that information is a top priority for Quotacy. Whether you are a current customer, former customer, or potential customer, we believe that you should know what we do with the information you provide to us, and the situations in which we might share such information with our business partners.”

You should feel comfortable providing Quotacy with the information necessary to shop for quotes and finish purchasing your life insurance policy, without fear of it being sold or compromised.

Mobile Accessibility

Quotacy’s website is optimized for mobile browsers. So if you want to hop on their website from your phone, tablet, or other mobile devices, you won’t have any trouble accessing all of the features available.

You can easily calculate your coverage needs, get quotes for policies, sign up for your Quotacy account, and more.

Customer Service and Support

Quotacy’s website is optimized for mobile browsers. So if you want to hop on their website from your phone, tablet, or other mobile devices, you won’t have any trouble accessing all of the features available.

You can easily calculate your coverage needs, get quotes for policies, sign up for your Quotacy account, and more.

Pros and Cons

Every company has upsides and downsides: Quotacy is no different. Luckily, the pros for this insurance policy aggregator largely outweigh the cons.

  • It’s quick: You can easily get competitive quotes from a number of insurance providers, in 60 seconds or less.

  • Their tools make the process easy: Quotacy provides a simple slider-bar tool for determining your coverage needs based on your family spending, debt, and how long you want to care for your loved ones.

  • Informative platform: Find out everything you ever wanted to know about life insurance on Quotacy’s website. They have articles explaining the different insurance types, how to ladder policies, and more.

  • No conflicts of interest: Quotacy agents are paid by salary, not on commission. This means no high-pressure sales tactics, or nudging you toward policies that aren’t actually the best fit (but would earn higher commissions).

  • Free to use: Quotacy doesn’t charge a penny for using their platform

  • Calls required for whole life quotes: If you’re interested in a permanent life insurance policy, you won’t be able to get a quick online quote through Quotacy. Instead, you’ll need to schedule a call with an agent to get pricing and options.

  • Not all providers shown: While the Quotacy platform does provide you with quotes from a large number of insurance providers, it’s not a comprehensive list. You may still want to shop around elsewhere to be sure you get quotes from as many providers as possible.

Alternatives to Quotacy

Didn’t find what you need at Quotacy or want to be absolutely sure you’ve gotten all the quotes you need? There are a few other aggregators out there that you can try.


Policygenius operates similarly to Quotacy, providing comparison rates from various insurance providers simultaneously.

It’s like a broker for life insurance, as it will collect your information and then present the options available to other companies. Doing so makes you more likely to find coverage best suited for you instead of being passed off blindly to one company.

You don’t need to spend any money to get an insurance policy with Policygenius. It partners with a select group of carriers known for their stability. The quotes you receive from Policygenius are what you’ll pay for insurance, as long as you’re approved by the actual company.


Sproutt is an innovative insurer that doesn’t require a medical exam (though an optional exam may help you get a lower premium) and focuses on the positives related to your health.

The company uses a Quality of Life (QL) Index as part of its insurance process that measures five factors that contribute to your health (movement, sleep, emotional health, nutrition, and balance).

Based on your QL Index score, Sproutt can help you find the right policy. If you prefer, you can also skip the QL Index and go directly to the application. The application takes less than 10 minutes and you can see multiple quotes without inputting any contact information.

Sproutt also makes it easy to customize your policy to fit your needs and your budget.

Related: Ethos vs. Sproutt

Other aggregators you can try:

Also Read: Bestow Review – Real Life Insurance Rates

Is Quotacy Right For You?

The life insurance experience is different for everyone. Your insurance needs will vary from those around you, and you may even need a different type of policy altogether.

Finding a competitive quote easily and quickly, though? That’s something that everyone can share with Quotacy.

Quotacy allows you to shop for coverage from 15 different providers, all in one place. By simply answering a couple of questions and choosing your policy needs (which they’ll also help you determine), you can have a quote in seconds. Want to choose a provider you see there? The process is easy and Quotacy will facilitate the whole thing.

You don’t need to create an account in order to get a quote, and your information is never sold (a huge plus in my book). While Quotacy doesn’t provide quotes from every insurer on the market, and you may still want to shop around before making a final decision, you can get a number of excellent quotes all in one place.

At the very least, this free and informative web platform is worth testing out, even if you decide to buy elsewhere.

Related: How Much Life Insurance Do You Really Need?


Quotacy makes it easy to determine your life insurance needs and shop around for coverage. Quotes take seconds, and their online tools can help you decide exactly how to best protect your family.

Best of all, using Quotacy is completely free. If you’re looking to buy life insurance, Quotacy’s website is worth the stop!

Related: The Complete Guide to Life Insurance