Quotacy Review

Quotacy takes the complicated process of finding and buying a life insurance policy and makes it a breeze. More specifically, it is the first-ever online marketplace to offer life insurance quotes without asking for contact information.

Founded in 2014, Quotacy has helped more than 41,000 secure life insurance, providing more than $28 Billion in placed coverage. Quotacy pairs you with one of their salaried, non-commissioned experts to help you find the best rates from top insurance companies and compare them with those offered by other top-rated life insurance companies on the market.

Want to know if Quotacy is right for you? Continue reading below to learn more about everything Quotacy has to offer.

Pros and Cons of Quotacy



What Does Quotacy Offer?

While Quotacy mainly offers term life insurance, through their parent company, Hallett Financial Group, Quotacy is also able to offer the following additional life insurance options:

What To Expect on the Site

Through an easy online process, Quotacy helps to make sure you’re getting the best price for your life insurance. Upon finding a policy that works for you, they then take care of the paperwork and keep you informed every step of the way. We explain the process of applying for term life insurance below.

Step 1: Figure Out How Much Coverage You Need for Your Term Life Insurance Policy

Their free, online quoting tool has a sliding feature that allows you to move (increase and decrease) the amount of coverage and the term length. As you make adjustments, your quoted rates change accordingly so you know what you would pay.

After you find the numbers that fit your needs, you’ll be given policy options from top insurance companies. And the Quotacy conveniently displays the price for each policy so you know the rate you are applying for.

Step 2: Start Your Application for a Term Life Insurance Quote

Once you have found the policy you want to move forward with, you’ll create an online account with Quotacy. This information is private, so Quotacy will never sell it to third parties.

After you have finished setting up your account and successfully submitted your pre-application, Quotacy will email you a “Kickoff doc” to sign electronically. This online pre-application will only take a few minutes. Then, Quotacy will send it to the life insurance company for review. Submitting this application does not commit you to purchase the policy.

Step 3: Quotacy Checks to Make Sure You’re Getting the Best Life Insurance Policy

After your online pre-application has been submitted, a Quotacy agent will review your information to make sure you’re matched with an ideal insurance company and check to see if there’s a better fit available.

After the review, one of Quotacy’s agents will reach out if they think there are better options available from a different company. You can then review your options and pick the company and policy you wish to move forward with. Then, submit your application to the insurance company.

Step 4: Complete a Phone Interview to Go Over Your Application for a Term Life Insurance Policy

After that, a representative will reach out to schedule a confidential phone interview to clarify answers on your application and learn more about you.

Step 5: Complete the Free Medical Exam for Your Term Life Insurance Policy (if needed)

Most life insurance companies require a simple medical exam. Fortunately, Quotacy makes the process simple. The medical exam is completely free, can be conducted wherever is most convenient for you, and only takes around 20 to 30 to complete.

Step 6: The Approval Process for Your Term Life Insurance Policy

Once the insurance company has your application and you have completed your phone interview and medical exam, all you have to do now is wait. At this point, they will review your medical records.

Quotacy will keep you updated as your application moves through the approval process. If there are any issues, they will contact you and go over your options. After approval, Quotacy gives you 30 days to review the policy. If you have any issues or concerns, you can change the policy or receive a refund.


While using Quotacy’s service is completely free, you can expect to pay all standard fees associated with life insurance upon purchasing a policy through Quotacy’s marketplace.

What you can expect to pay for your specific policy is dependent on your situation, needs, and even location. Life insurance policies don’t have one set price.

What People Are Saying About Quotacy

Not only is Quotacy accredited by the Better Business Burea, but it also has an A+ rating. It’s also worth highlighting its excellent Trustpilot rating. Based on more than 1,400 customer reviews, Quotacy has a rating of 4.9 out of 5 stars:

These ratings are accurate as of September 2021.

The Bottom Line

Quotacy’s dedication to simplicity, education, and expert-led guidance makes it one of the best life insurance solutions on the market. With an initial application process that takes just minutes to complete, transparent communication with an assigned personal Quotacy agent at every step of the way, and a commitment to only working with best-in-class, financially secure, and highly-rated life insurance companies, Quotacy is one of the best and easiest ways to secure your family’s future. Check it out as you compare top life insurance companies.