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Life Insurance
Term and whole life quotes from top-rated carriers in minutes.
Start quoteHealth Insurance
Individual and family ACA-marketplace and private health plans.
Start quoteMedicare Plans
Medicare Advantage, Supplement, and Part D — compare plans for free.
Start quoteDisability Insurance
Short- and long-term income protection if you can't work.
Start quote1. Tell us what you need
Answer 4–8 short questions about your situation.
2. We match you with agents
Licensed agents who write coverage in your state, where available.
3. Compare and decide
No obligation. You're in control of the conversation.
The four coverages, in plain language
Life insurance
Pays a tax-free lump sum to the people you choose if you die while covered. Term life covers a set period (10–30 years) and is the cheapest option — a healthy 30-year-old can often get $500,000 of coverage for under $30/month. Whole life costs more but lasts your entire life and builds cash value. Most families need 10–12× annual income in coverage.
Health insurance
Covers doctor visits, hospital stays, prescriptions, and preventive care. If you're self-employed, between jobs, or your employer's plan is too expensive, an individual or family plan may cost less than you think — especially with ACA subsidies, which most households earning under $60,000/year qualify for.
Medicare
Federal health coverage for people 65+ (and some younger people with disabilities). Original Medicare (Parts A and B) leaves gaps — no cap on out-of-pocket costs, no drug coverage. Medicare Advantage and Medigap supplement plans fill those gaps, and the right choice depends on your doctors, medications, and budget. An agent can compare plans in your county.
Disability insurance
Replaces 50–70% of your income if illness or injury keeps you from working. It's the most overlooked coverage: a 35-year-old has roughly a 1-in-4 chance of a disabling event before retirement. Short-term policies cover weeks to months; long-term policies can pay out to retirement age.
Common questions
Is this service really free?
Yes. You never pay us anything. Licensed agents compensate us when we connect them with someone who asked to hear from them.
How many agents will contact me?
A small number — typically one to three matched agents, not a dozen. You choose who may contact you, and you can opt out at any time.
Do I need a medical exam for life insurance?
Not always. Many term policies now offer no-exam underwriting for healthy applicants, though exam policies usually cost less for the same coverage.
When can I enroll in Medicare or a health plan?
Medicare has an initial enrollment window around your 65th birthday and an annual enrollment period each fall. ACA health plans have open enrollment each winter, plus special enrollment after life events like moving, marriage, or losing coverage.
Will requesting a quote affect my credit or coverage?
No. Requesting quotes is free and creates no obligation. Insurance quotes don't affect your credit score.
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Start with Life Insurance