The instant life insurance quotes you’ll receive from our quote tool are accurate and updated. You’ll be able to compare rates, financial ratings and policy details all on one screen. Simply complete the form on the left to view your life insurance instant quotes!
We provide immediate life insurance quotes from 60 of the nations top-rated life insurance carriers.
When you find a rate you’re comfortable with, you can click “apply” and request an application. We’ll be in touch to coordinate the rest of the process.
Below you’ll learn how instant life insurance quotes work, including:
- Tips for Using Life Insurance Instant Quotes
- Instant Life Insurance Quotes are 100% Accurate
- How To Choose a Health Classification for Instant Life Insurance Quotes
- Why Use Rootfin Instant Life Insurance Quotes?
- Warning! Instant Quotes are Not Accurate with Health Issues
Tips for Using Life Insurance Instant Quotes
Since you are viewing these instant life insurance quotes without the help of an agent to assist you and answer any questions, use these tips to help you decide how to choose a reliable life insurance company.
Tip #1: Choose Companies with High Financial Ratings
Only use AM Best rated “A-” carrier or better.
This ranking system is the top viewed in the industry and should be taken seriously. Any company with an “A-“, “A”, “A+” or “A++” has outstanding financials. In today’s economy, it’s important to know you’re with a financially solid company.
Our immediate life insurance quote engine will show you the AM Best life insurance company ratings of each company. In fact, we’ll only work with life insurance companies that have an “A-” rating or better, so every company you’ll find on the quote results page will be a highly rated carrier that we’re comfortable recommending.
Tip #2: Annual Rates are Cheaper
Annual life insurance rates are less expensive than monthly rates. Typically by paying annually, you’ll save on average 4% over a year than if you made 12 monthly premium payments. Some life insurance companies even give up to a 6% discount by paying annually.
There are also smaller discounts available for semi-annual payments as well. Usually in the 2-3% range.
Our instant life insurance quote engine will show you both the monthly and the annual payments for you to make a decision. For semi-annual or quarterly payments, you’ll have to give us a call.
Tip #3: Avoid Life Insurance Paperwork
To avoid life insurance paperwork, we suggest you use a carrier that allows an “e-signature”.
With this technology, you complete an application and simply type your name to sign all the documents. This is good for the environment and its quicker for everyone.
This saves you from the task of receiving a 20+ page insurance application for you to sift through and hope you signed all the required pages.
Also, who really wants to fill out a life insurance application and mail it back? Not us.
All of our companies on our instant term life insurance quote engine allow e-signatures.
Tip #4: Compare Companies, Not Agents
Term life insurance quotes are pretty standard no matter what site you use since most agents have access to the same tables. To save you the headache of hopping from 1 website to another, we listed all the top-rated life insurance companies that publish instant quote rates in our quote engine.
In other words, going to another website won’t get you better rates. It’s your actual agent that will make the difference in finding the best rates by shopping all the best companies.
Instant Life Insurance Quotes are 100% Accurate
The instant term life insurance quotes displayed on our website are pulled directly from the life insurance carriers rate books and updated any time there’s a rate change. With that said, the instant life insurance quotes you view on our site are 100% accurate.
The only variable we don’t know is your unique health situation and there’s no way for an instant life insurance quote engine to factor this in. If you’re not sure of your health classification, we recommend that you contact us or use the guide below.
How To Choose a Health Classification for Instant Life Insurance Quotes
There is no way for you to know with any certainty what your health class is.
The reason is all life insurance companies look at your health differently. We can give you direction by showing you companies that are more favorable towards your health issues.
If You Have No Health Issues
If you have no health issues and are in perfect health (less than 10% of the population), then using an instant life insurance quote engine is easy. Just choose the Preferred Plus health class.
For the other 90% of us, its a little more tricky.
If You Do Have Some Health Problems
If you take any maintenance medications for cholesterol or blood pressure and everything is under control, then choose Preferred rates. Any other health issues are generally classified as Standard Plus or Standard.
Keep in mind, life insurance companies are not only looking at your health, but they’ll be looking at your family history – specifically anyone passing before the age of 60 of cancer, heart disease or stroke.
Keep all of this in mind when viewing your instant life insurance quotes. If there any health issues, just use the results as ballpark figures.
We recommend just choosing Standard health class to be conservative if you’re not sure.
Why Use Rootfin Instant Life Insurance Quotes?
Good question. We know you can get your quotes anywhere.
We are a small group of experienced and knowledgeable independent life insurance agents.
Our agents separate us apart from the rest of our competition. We’re experienced professionals supporting our families by helping consumers find the best life insurance policy at the lowest possible cost.
Because we’re not “corporate”, we’re able to implement all the latest technologies to make the process easy and efficient. We give you the ability to apply online after you make your decision. The big name life insurance carriers websites like SelectQuote and Matrix Direct won’t even give you an instant quote, let alone give you the opportunity to apply online.
We understand some consumers have the do it yourself frame of mind and that’s why we offer this service.
Founder / CEO
Warning! Instant Quotes are Not Accurate with Health Issues
If you have any health issues, we don’t recommend using our life insurance instant quote service. This tool is not accurate for people who have mild to severe health conditions, because, for these people, quotes can vary widely.
You’ll need to compare quotes from multiple companies. An experienced life insurance agent who has worked with others in a similar situation will know which companies are best for you.
We recommend you call to speak with a life insurance agent. Simply call (888) 430-7668 for your accurate instant life insurance quote.