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Quotacy Review: Find The Best Life Insurance Policy That Fits Your Needs

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Last updated on November 8, 2020

Shopping for life insurance can feel overwhelming, but it doesn’t have to be. With aggregator tools like Quotacy, you can find your best options in just a few minutes.

If you need a term life insurance policy, it’s easier to get one today than it ever has been before. With online options, you can get a quote for the coverage you need in just a few minutes. And you can shop around for the best price, too.

It’s possible to do all this shopping with individual life insurance providers, but you can do it more quickly with services like Quotacy. This service compiles coverage quotes from various life insurance providers to get you the best quote for your needs in just a few minutes. Check out this review to learn more about how Quotacy works and why you should add it to your list of online options to find great life insurance coverage.

What is Quotacy?

Quotacy is not a life insurance provider, but it’s more of a life insurance marketplace. It compiles quotes from a variety of pre-vetted life insurance providers that it works with, including big names like Haven Life, Principal, Prudential, United of Omaha, and many more.

Two brothers who once worked for their father’s insurance agency started Quotacy. And it operates on a different model from many commission-based brokerage services. Instead of making a commission by upselling you the most expensive products, Quotacy’s employees are all salaried. That means that they don’t benefit from getting you to buy a product that is more than what you really need. Instead, they benefit from providing great customer service and working with you to find the best life insurance for your actual needs.

Quotacy also offers helpful features like a blog where you can find all sorts of information on life insurance policies and coverage, calculators to help you figure out how much life insurance you need, and a slick online interface that makes it easy to apply for and choose a life insurance policy.

Product Features

What does Quotacy have to offer, and what makes it different from other life insurance marketplaces? Here are some of the features to know about:

  • Helpful tools: You can use the Quotacy website to figure out how much life insurance you need and what type is right for you before you even start getting a quote.
  • Salaried employees: Again, working with employees that aren’t commissioned salespeople can be helpful and much lower-pressure. Instead, licensed agents can help you figure out the best life insurance for your needs at the lowest cost, rather than worrying about upselling you.
  • In-house underwriting: Quotacy’s in-house, experienced underwriter can look at your individual health history to hook you up with the insurance agency  most likely to give you affordable coverage. Different agencies have different ways of looking at particular health histories, so a good underwriter can help you find the insurance company that is most likely to give you a budget-friendly quote.
  • Communication how you want it: Many individual insurance companies, brokers, and online marketplaces will contact you by phone–over and over again–even if that’s frustrating for you. Quotacy lets you set your communication preferences, whether email, phone, or text, and it actually honors those. Quotacy doesn’t over-communicate, but they will reach out to you at least once a week during the process of finding and buying a policy, which can take several weeks.
  • Get a more accurate ballpark estimate: All companies like this can give you a ballpark estimate of your life insurance costs based on your original input of information. But sometimes they’ll give you an estimate based on your location and age without taking any health history into account. And that can lead to a surprise when you get the real quotes back from actual insurance companies that are looking at your health history. Quotacy collects health information in your original quoting process so that you can get a more accurate price estimate up front. That said, you don’t have to provide any personal contact information to get a quote.

Pricing and Fees

As with other marketplaces and brokerages like this, Quotacy doesn’t charge you any fees on your side of things. Their fees come from the insurance companies they work with and are built in to the monthly premium you’ll pay for your life insurance.

And as with all life insurance, your quotes can vary dramatically depending on your age, state, life insurance terms, and health history. However, you can quickly input your basic personal information into Quotacy’s quote engine to get a feel for what you might pay. Keep in mind, though, that the quote is only as good as the information you provide, so be honest when you’re assessing your health and other personal information.

You can get a ballpark quote from a variety of companies in less than five minutes, and the calculator lets you change your coverage amount and length of coverage easily. You can also quickly check out the information on the individual life insurance companies in your quotes.

Applying for Insurance

You can get started with Quotacy without providing personal contact information or other identifying information. But once you’re ready to actually apply, you can choose the policy that you want. Then you’ll need to create an account, which you can do by using your Facebook or Google login if you prefer. Once you’re on your way, a Quotacy representative may contact you for more information or to help you schedule a medical exam, if the provider requires one.

You can also talk to Quotacy representatives to see which policy might work best for your needs, especially if you have underlying health issues that might be of concern.


Quotacy’s privacy and security policies note that they won’t give your information to insurance companies until you’ve given them permission to do so. And their data is protected by “reasonable data security and privacy practices and procedures in place” to keep your sensitive data secure.

Mobile Support

Quotacy’s website is mobile-friendly, so you can get a quote or even complete your full application on your phone.

Customer Service

As noted above, you’ve got a few options for how to communicate with Quotacy’s experts. You can email them, call them, or even send a text message. And Quotacy will keep communicating with you in the way that works best for your particular needs and preferences, which is great.

Pros and Cons

All insurance aggregators, like other companies, have their pros and cons. Here are some that you might want to know about Quotacy:


  • Easy to use tools: Whether you’re trying to figure out how much life insurance coverage you need or how much that coverage will cost, Quotacy’s tools are easy to use and work well in mobile.
  • Quick to apply: Actually getting life insurance can still take a few weeks, of course. There’s no help for that. But the original application process takes just a few minutes.
  • Salaried employees: Since employees aren’t paid on commission, they are truly free to give you the best advice for your particular needs, and they don’t use any high-pressure sales tactics.
  • Communication how you prefer: Many insurance aggregators will call you aggressively for weeks after you put in an original application. (Trust me, I’ve reviewed and tried quite a few.) Quotacy will contact you in the way that you prefer and at reasonable intervals.
  • Wide variety of options: You’ll get options from a huge variety of companies with Quotacy, many more companies than some aggregators use. This means you can usually find the best possible quote for life insurance available.
  • Other policy options: Quotacy also offers specialized term life insurance options like final expense insurance, as well as disability insurance quotes.


  • Best for term life insurance: This isn’t really a con if you’re looking for a term life insurance policy, of course. But if you need a whole life policy, you’ll have to actually schedule a phone call with an agent. These products are more complicated, so there’s no online, five-minute quote engine for them with Quotacy.
  • Doesn’t pull in all agencies: As with any quote engine like this one, Quotacy is limited to providing quotes from the insurance agencies it partners with. While that’s quite a few agencies, it’s definitely not all of them. So you may still want to shop around with other individual companies or other aggregator services to make sure you’re getting the best possible quote.

Related: The Best Term Life Insurance Companies

Alternatives to Quotacy

Quotacy is definitely a great option, but, again, it won’t provide you with quotes from all potential insurance providers who might give you a good term life insurance policy. So you may want to check out other life insurance aggregator services such as PolicyGenius and Ethos. They can pull in another combination of insurance companies so that you can find the best possible deal on your coverage.

Who is Quotacy For?

Quotacy is a great option for those looking for an affordable term life insurance policy. It’s a great way to get a quick quote from several different companies so that you can compare and contrast. You can also use it to shop for whole life insurance policies, but you have to talk to an agent to do that, so it definitely targets the term life insurance crowd the most.

Related: How Much Life Insurance Do You Really Need?


As online insurance aggregators get better, you can expect to find that it’s easier than ever to quickly get a term life insurance policy. Companies like Quotacy are really stepping up the game when it comes to easy-to-use tools and a variety of quotes so that you can find the insurance coverage that works best for your particular needs.

Try Quotacy Today and Get the Best Term Life Insurance Policy 

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