Quote Life Now

What Quote Life Now does

QuoteLifeNow.com LLC operates an online life insurance comparison and brokerage platform headquartered in Aventura, Florida, and is licensed to sell in Florida and North Carolina. The company's core product is a self-service web application that generates instant life insurance quotes by asking applicants five questions, then routes the applicant to one of approximately 50 A+ rated carrier partners based on health classification (Preferred Plus through Sub-Standard). Supported policy types include Term, Whole, Universal, Variable, Simplified Issue, Guaranteed Issue, and Final Expense life insurance, with up to $1 million of face amount available without a medical exam and at-home paramedic exams available when required.

The technology stack centers on a proprietary quote and matching engine that is described as automatically updating, integrated with DocuSign for digital application submission and e-signature, and supported by licensed specialists reachable by phone or chat (Mon-Sun, 9am-9pm ET). Underwriting approval is handled by partner carriers and typically takes 3 to 4 weeks; policies can be cancelled within a 30-day grace period for a full refund.

Revenue is generated exclusively through carrier commissions on policies sold via the platform; the consumer-facing service is free, with no upfront fees. The company is privately held and founder-owned, with no institutional funding disclosed, a founder with 30+ years of industry experience, and a digital-first go-to-market relying on content/SEO, organic social (Facebook, Twitter, Instagram, LinkedIn), and live specialist support rather than a captive sales force.

Name

Quote Life Now

Legal name

QuoteLifeNow.com LLC

Website

https://quotelifenow.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

1–10 employees

Short description

QuoteLifeNow.com is an online life insurance agency that lets consumers instantly compare quotes from roughly 50 A+ rated carriers, then apply digitally via DocuSign, serving individual shoppers in Florida and North Carolina on a commission-based model.

Ownership category

akta.pro rank

Headquarters

HQ city

Aventura

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Insurance Commission Revenue: As an independent online insurance agency, QuoteLifeNow.com earns commissions from insurance carriers when customers purchase policies through the platform. The service is free for consumers; revenue is generated through carrier commissions based on policy premiums.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

QuoteLifeNow.com is an online life insurance agency that operates a web-based comparison platform aggregating quotes from approximately 50 A+ rated life insurance carriers. Consumers answer a 5-question application and receive instant quotes, with the platform's proprietary software matching applicants to optimal carriers based on health conditions. The service supports term, whole, universal, variable, simplified issue, guaranteed issue, and final expense life insurance, with digital applications completed via DocuSign and live licensed specialists available by phone.

Product overview

QuoteLifeNow.com is an online life insurance agency offering a comparison platform that aggregates quotes from 50 A+ rated insurance companies. The core product is an instant quote platform where users answer 5 questions and receive unbiased price comparisons in seconds. The platform supports multiple life insurance products including Term Life Insurance, Whole Life Insurance, Universal Life Insurance, Variable Life Insurance, Simplified Issue Life Insurance, Guaranteed Issue Life Insurance, and Final Expense Insurance. Plans can cover up to $1 million face amount with no medical exam required. The service includes digital application processing via DocuSign and access to live licensed specialists for personalized guidance.

Differentiator

Problem solved

Functional benefit

Products and services

• Instant Life Insurance Quote Platform Online platform that provides instant life insurance quotes by comparing rates from approximately 50 A+ rated insurance companies after users answer 5 questions. Offers unbiased price comparisons with no sales pressure.
• Term Life Insurance Temporary life insurance protection lasting 10, 20, or 30 years at lower cost, providing a death benefit to beneficiaries if the insured dies during the active term. Does not accumulate cash value.
• Whole Life Insurance Permanent life insurance providing lifelong protection with both a death benefit and a cash value component that accrues interest at predetermined fixed rates, allowing policyholders to borrow against the policy.
• Universal Life Insurance Permanent life insurance with flexible premium and death benefit amounts. Policyholders can change amounts without obtaining a new policy and can use cash value to pay premiums.
• Variable Life Insurance Permanent life insurance where cash value is invested in mutual fund-like sub-accounts similar to stock market investments, offering higher growth potential with associated market risk.
• Simplified Issue Life Insurance Life insurance with a simplified underwriting process that does not require a medical exam and has fewer application questions. Coverage amounts are lower than traditional policies.
• Guaranteed Issue Life Insurance Life insurance with guaranteed approval regardless of health status. Coverage amounts are lower and premiums higher, with a waiting period before full benefits are paid.
• Final Expense Insurance Simplified issue policy covering death-related costs including medical expenses, funeral, or cremation. Typically issued to people of a certain age with coverage valid up to a certain age.

Quantifiable outcome

• Get a quote in seconds
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature4 records

Partnerships

One partnership is on record.

• Top 50 A+ Rated Life Insurance CompaniescoreOthersQuoteLifeNow.com partners with approximately 50 A+ rated life insurance companies to provide customers with unbiased price comparisons and access to coverage options regardless of health status. These insurance carriers provide the actual insurance products while QuoteLifeNow.com serves as the distribution and comparison platform. No specific carrier names are disclosed on the website.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Policygenius: Policygenius is a digital insurance marketplace offering life insurance alongside other products (disability, home, auto). It matches customers with carriers and licensed advisors, directly comparable to QuoteLifeNow.com's instant quote and licensed specialist model.
• Haven Life: Haven Life (backed by MassMutual) offers online term life insurance with simplified underwriting and instant decisions. It competes with QuoteLifeNow.com for consumers seeking a fast, no-pressure digital life insurance purchase experience.
• SelectQuote: SelectQuote operates an online platform that aggregates life insurance quotes from multiple carriers, very similar to QuoteLifeNow.com's comparison model. Both target consumers seeking unbiased multi-carrier life insurance comparisons, though SelectQuote operates nationally and has gone public.
• Ethos: Ethos offers online term and whole life insurance with simplified underwriting, providing instant decisions for many applicants. It competes head-to-head with QuoteLifeNow.com in the digital life insurance purchase journey.
• Bestow: Bestow provides fully digital term life insurance with no medical exams for many applicants. It targets the same digitally-engaged consumer as QuoteLifeNow.com, though with a single-carrier model rather than multi-carrier comparison.
• Quotacy: Quotacy is an online life insurance brokerage that compares policies from multiple top-rated carriers, closely mirroring QuoteLifeNow.com's independent agency approach. Both focus on unbiased life insurance comparison for individual consumers across various health profiles.
• Ladder: Ladder offers fully digital term life insurance with instant decisions, targeting tech-savvy consumers. While Ladder focuses on its own product rather than multi-carrier comparison, it competes for the same digitally-native life insurance buyer as QuoteLifeNow.com.
• Sproutt: Sproutt uses a quality-of-life questionnaire to match consumers with life insurance carriers, similar to QuoteLifeNow.com's health-condition-based matching approach. Both target consumers who want help finding the right carrier for their specific profile.

Broad incumbents

• Bankrate: Bankrate is an established financial comparison site with a strong life insurance comparison vertical. It competes with QuoteLifeNow.com for organic SEO traffic and consumer research intent, though it covers many financial products beyond insurance.
• SmartAsset: SmartAsset operates a broader financial comparison platform that includes life insurance matching. While not specialized in life insurance, it competes for the same organic search traffic and consumer mindshare in financial product comparison.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/quotelifenow
• Facebookfacebook.com/quotelifenowterminsurance
• LinkedInlinkedin.com/company/quote-life-now
• Instagraminstagram.com/quote.life.now

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Quote Life Now