Compare your coverage rates
Free personalized quotes from 8+ carriers for term life, IUL, and supplemental coverage, matched to your age, state, and health by a licensed agent. It takes about a minute, no payment information is requested, and there's no obligation to buy anything.
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Quotes are provided by licensed agents of Covrwell Insurance Agency, LLC and are estimates until an application is approved by the issuing carrier. Answering these questions does not submit an application to any insurance company, affect your credit, or obligate you to buy anything.
What happens after you request quotes
The short version: one licensed agent, real carrier prices, and nothing submitted anywhere until you say so. Here's the full picture.
Within one business day, usually much sooner, a licensed Covrwell agent calls or emails you with quotes matched to your age, state, and health profile. This is a real comparison, not a teaser: we check each carrier's actual underwriting rules against your situation before we quote, so the number you hear is the number you'd pay.
If you like one of the options, your agent completes the application with you by phone in about 15 minutes and submits it to the carrier. Supplemental policies are often approved within days, and many term and IUL applications qualify for accelerated underwriting with no exam. You're never asked for payment information until you've chosen a policy and decided to apply. And every policy comes with a state-mandated free-look period, so you can cancel for a full refund if you change your mind.
Not ready to talk? That's fine. Tell your agent you're researching and we'll send the quotes in writing and leave the ball in your court. There are no follow-up call campaigns and your information is never resold.
Worth having at hand before you start: your rough annual income (coverage is sized against it), your state of residence (carriers file different rates in each state), and a sense of your health basics such as tobacco use and any conditions you manage. None of it needs to be exact. The form asks for ballpark answers, and your agent refines everything on the call before a single number is locked in.
One tip before you start: have a rough coverage goal in mind rather than a rigid number. Carriers band their term rates, and $1,000,000 of coverage sometimes costs barely more than $750,000 once you cross into a better band. Your agent will show you the bands so you can pick the best value, not just the number you first typed.
Common Questions
Quote questions, answered
The questions people ask most often before requesting quotes, and the honest answers, before you share a single detail.
What happens after I submit this form?
A licensed agent reviews your answers, runs your profile against our carrier partners, and contacts you (usually the same business day) with the strongest quotes for your age, state, and health. You'll get real numbers from real carriers, not a teaser rate that changes when you apply.
Will I get calls from lots of different companies?
No. Your information goes to our agency only; it is never sold to lead brokers or shared with third parties. You'll hear from one agent at one agency, and if you tell us the timing isn't right, we stop calling. That's the whole point of working with an independent agency instead of a quote-comparison lead site.
Do I need my medical records or a doctor's visit to get quotes?
No. Quotes are based on the basics you enter here: age, state, coverage amount, gender, and tobacco use. If you decide to apply, many carriers offer accelerated underwriting with no exam for qualified applicants; larger term and IUL amounts may involve a paramedical exam, which your agent schedules at your home or office at a time you pick.
How accurate are the quotes I'll receive?
Because a licensed agent matches your health profile to each carrier's actual underwriting rules before quoting, the price you're quoted is normally the price you pay. The only time a final rate differs is when an application answer changes the underwriting class, and your agent will flag that possibility up front.
Is there any cost or obligation?
None. Quotes are free, our advice is free, and no payment information is collected. Our agents are salaried rather than commission-chasing, so there's no incentive to push you into a bigger policy than you need. If the right answer is 'keep the coverage you already have,' that's what we'll tell you.
What if I'm not sure which piece of the plan I need first?
Pick your best guess on the first step; it isn't binding. Your agent will walk through all three pieces (term for income protection, IUL for retirement accumulation, and supplemental cash benefits for health events) and show you what each costs before quoting. It's common for that conversation to change the mix. You can also read our plain-English guides first if you prefer to research before talking to anyone.
Can I request quotes for my spouse too?
Yes. Households usually cover both earners, and it's often smarter to design the plan as one picture. Enter your own details here and mention on the call that you'd like your spouse quoted as well; each insured person consents to and signs their own application, but your agent prices the household together.