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Frequently Asked Questions

Here are the most commonly asked questions about buying protection online.

How do I purchase coverage?

You can buy online by clicking "apply now" on our website. Just fill out our short application, and we will supply you with several free quotes from major carriers. You will see these rates side-by-side so you can better compare them on price and coverage. All you have to do is review the prices to decide which one is right for you.

Will it cost me anything to apply on your site?

No, our application and quotes are no-obligation and completely free. We will supply you with at least four free quotations for free just for filling out our application.

Is this site run by an insurance company?

No, we are not a carrier. We are simply a free referral service that matches customers who want to buy a plan online with insurers who can meet their needs. We partner with many major providers, but we do not have a stake in which carrier you choose.

Who will provide my policy?

We partner with several major companies from whom you will receive quotes upon submitting your application. You can then decide which one best meets your needs. Some of our partners include:

  • MetLife
  • Northwestern Mutual
  • Farmer's
  • Prudential
  • New York Life
  • AIG
  • Gerber

Can I still buy a plan if I know I have existing medical conditions?

Yes, you should always at least apply, even if you have medical conditions. Very few people are completely uninsurable, so it is well worth it to apply even if you have cancer, diabetes, coronary artery disease, etc. You might pay higher rates, but you can likely still get the protection you need. Learn how your premiums work on the next page.