Quotacy Review (2023): Life Insurance Made Easy

June 21, 2023

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Life insurance is one of those things you know you should do. It’s a decision that often gets pushed aside. No one likes to think about “what would happen if…” But it’s something you need to take care of for your family if the worst should happen.

The good news is that buying life insurance is easier than ever. In this Quotacy review, you’ll learn how to get a life insurance quote without having to meet with a salesperson or provide your contact information.

Here’s how Quotacy can simplify the process of getting an affordable term life policy.

Quotacy Review: What is Quotacy?

Quotacy is an online marketplace for life insurance. Founded by Jeremy Hallet, the platform lets you compare prices of different policies from the comfort of your home and without the pressure of a traditional insurance agent.

But it’s so much more. It takes the guesswork out of buying life insurance and streamlines the process for you.

The platform helps you get the right amount of coverage so you’re not paying for more insurance than you need. Quotacy also delivers different policies and add-on options to customize your policy.

It offers term insurance from 10 to 40 years. There’s also an option for permanent life insurance coverage. Standard death benefit amounts range from $50,000 to $25 million, with higher or lower coverage available if you contact a representative directly.

Quotacy is known for its life insurance options, but also offers disability insurance to round out your insurance safety net.

Because it’s a marketplace, Quotacy doesn’t directly provide you life insurance. Instead, the company partners with well-known insurance companies to give you plenty of choices for coverage. With Quotacy, you might get a term policy through:

  • Pacific Life
  • AIG
  • Mutual of Omaha
  • Protective
  • Prudential
  • Principal
  • John Hancock
  • and more

How Quotacy Works

Quotacy Home Page

Let's kick off this Quotacy review by explaining how Quotacy works!

Quotacy doesn’t limit you to a single life insurance company. It is a life insurance broker that connects you with some of the best life insurance companies to give you more options.

The details about how it works sets it apart from other companies.

For instance, most life insurance companies force you to enter your contact information before giving you a quote. That means a sales representative could call you to sell you a policy if you don’t buy one right away. 

But not Quotacy. Enter your zip code, gender, birth date, and whether you’re a smoker and the platform delivers life insurance quotes in an instant.

Buying life insurance isn’t a spur-of-the-moment decision. You might want to think through your options before committing to a policy, and Quotacy lets you do that without pressuring you.

What to Love About Quotacy

The platform is a combination of a marketplace and educational resources, making it a one-stop-shop for life insurance. If you’re wondering about how much life insurance you should get or the difference between term and whole life coverage, Quotacy can help.

That’s not all. There’s much more to love about Quotacy.

No Contact Information Needed

Quotacy Life Insurance Quote

Buying life insurance can be a daunting task. Quotacy streamlines the process and gives you free access to the platform without asking for your name, email, or phone number.  Until you take the next step to purchase a policy, you don’t need to create an account or share any personal information.

Custom Policy Options

If life insurance was one-size-fits-all, buying it would be a breeze! But it isn’t. What’s best for you might be different from what’s best for your neighbor, friend, or uncle.

The platform has a slider to adjust the coverage amount and term length you want so you can customize your policy.


Is there anything more frustrating than not knowing the price of something you want to buy? Quotacy doesn’t beat around the bush.

The company is transparent and direct when delivering your options for life insurance. You’ll answer four basic questions:

  • Zip code
  • Gender
  • Birthday
  • Smoking status

Quotacy uses that information to determine how much a policy might cost. Customize your quote by increasing or decreasing the coverage amount and term length to personalize your policy. 

The quoted price updates automatically, letting you see in real-time how your preferences can affect your monthly premium.

For example, a 20-year policy with $500,000 of coverage might be $23.04 a month for a 30-something female who doesn’t smoke. Increasing the death benefit to $750,000 can increase the price to $31.96 per month.

Life Insurance Calculator

Quotacy Life Insurance Calculator
Check out Quotacy's Life Insurance Calculator on their homepage.

Figuring out how much life insurance to buy is one of the hardest parts of buying a policy. Quotacy’s life insurance calculator helps you understand how much coverage you need to give your family a financial safety net.

The calculator asks you a few questions about your:

  • Annual income
  • Years of coverage needed
  • Mortgage balance
  • Other debts
  • Plans to pay for your children’s college expenses
  • Estimated cost of funeral expenses
  • Investment and savings accounts
  • Current life insurance policies in place

From there, you can jump right into seeing what a policy might cost.

The Sign-Up Process

Quotacy lets you easily compare term life quotes, which is a good start. If you decide to purchase a policy, the process is simple to navigate. Most of the steps are done online, though you will talk to an insurance representative to go over any gray areas in your application.

But don’t worry. The Quotacy team will guide you through the process and keep you updated along the way.


Quotacy lets you shop anonymously until you’re ready to buy. Even after you create an account, the company doesn’t sell or share your information. 

You divulge some pretty sensitive data about your health and medical history on the insurance application, but Quotacy protects that information, too. Your data is safe because the company works with some of the best insurance companies that get high marks from independent consumer protection agencies.

Mobile Access

Although there isn’t an app, Quotacy’s website and application process is optimized for mobile phone browsers. Getting a life insurance quote is easy no matter if you use a computer, laptop, tablet, or smartphone.

Customer Support

The customer support is top-notch. If you have questions about buying a life insurance policy, Quotacy can help.

Customer support is available by phone, text, and email.

Trustpilot Customer Service Rating

Where Quotacy Falls Short

Getting a life insurance policy through Quotacy is fast, and the platform is user-friendly. Still, nothing is perfect. Our Quotacy review wouldn't be complete if we didn't confess to some of its shortcomings.

The company does an excellent job at connecting you with multiple life insurance companies to get you the best price and policy coverage options. But it doesn’t partner with every life insurance provider.

You might not be able to compare prices if you have a specific company in mind. In that case, you’re better off going directly to that insurance company to get a quote.

Besides term policies, Quotacy also offers whole life coverage. Whole life insurance generally comes at a much higher price than term life. Like most insurance providers, Quotacy puts a higher price tag on a whole life policy versus a term policy.

Term coverage is the best option for most people since it’s much more affordable. If you’re interested in whole life insurance, Quotacy can give you an idea of what you might pay. Keep in mind that it’s more expensive, so make sure you look at several options.

Who Should Use Quotacy?

Young Mother and Daughter

Anyone shopping for life insurance should use Quotacy. The platform lets you easily compare prices and coverage options.

If you’re a breadwinner, using Quotacy is an easy decision. But what about stay at home parents? If that’s you, you need life insurance, too. Term life can cover the cost of childcare and other services you provide if the worst should happen.

A single person can benefit from using Quotacy, too. You may have no one relying on your income, but funeral and burial expenses can be costly. A small life insurance policy can ease the financial burden on the loved ones you leave behind.

If you have chronic health issues or have been denied a policy before, Quotacy might get you covered. Different life insurance companies have different methods of evaluating medical conditions. 

The company has an in-house underwriter familiar with the ins and outs of qualifying for life insurance. The underwriter at Quotacy can work with you to find a company willing to work with you.

How to Get Started

Quotacy puts its rates front and center, giving you the choice of sharing your personal information after you compare policies and coverage options. Your first step with Quotacy depends on whether you know how much life insurance you need.

Get a Life Insurance Quote

If you’re not sure, start with Quotacy’s life insurance calculator. It will suggest a policy amount based on your income, debt balance, and years of coverage.

The platform streamlines the process of getting a quote. Enter your zip code, gender, birth date, and smoking status to see price options. 

Your initial quote generally includes a $500,000 policy with a 20-year coverage term. You can adjust the sliders on coverage amount and term length to see how your estimated monthly premium might change if you want a higher or lower payout or different length of coverage.

Keep in mind that the monthly amount you’re given is an estimate. You won’t know how much your premium is until you complete the application process.

Moving from a Quote to a Policy

Typing on the computer

If you’re ready to buy a policy, Quotacy will ask you a few more health and lifestyle-related questions to get you a more accurate quote.

It takes about a minute to get to the next step which is displaying quotes from individual life insurance companies. You can adjust your policy amount and length of coverage to see a range of options.

Once you pick a company, you’ll complete a preliminary application. The pre-application asks more detailed health questions but should take less than five minutes.

At this point, an agent at Quotacy will review your information. They will reach out to you to ask follow-up questions, if needed, and get your final signature on the application.

You’ll deal directly with the insurance company after the application is submitted by the agent, but you can reach out to Quotacy if you have questions throughout the process.

Quotacy Review: Final Thoughts

As you can see, Quotacy is a full-service marketplace. Because everything is done online and with the help of an agent, the process is much less stressful than you might think. 

The company takes special care to educate you about your life insurance decisions and to make sure you’re getting the coverage you need at a reasonable price.  

If you’re shopping for life insurance, try Quotacy today. The company is transparent about the prices and coverage options available. Plus, you get a free quote without having to enter your contact information so there are no strings attached.

Do you have life insurance to protect your family? What other questions do you have about our Quotacy review?

Click here to get your quote today!

Amy Beardsley

Amy Beardsley is a freelance writer and personal finance expert. She specializes in credit reporting, FinTech, and probate and estate planning topics. Her work has been published on Robinhood, Lending Tree, Dollarsprout, Women Who Money, and Well Kept Wallet. She’s also the founder of EarlyMorningMoney.com, a site dedicated to simplifying financial management and helping families win with money.

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