Find My Policy: a free life insurance concierge that shops for you.

Zero. The Find My Policy service is 100% free for the consumer. There is no fee, no obligation, and no credit card required. Insurancy is compensated by the insurance carrier when (and only when) you choose to apply for a policy and it gets issued. Whether you choose to buy is entirely up to you - many of our concierge clients use the service to compare options and then decide later.

A regular online quote uses one carrier's published rates and assumes you qualify at their best health class. Find My Policy is different in three ways: (1) we shop several carriers in parallel instead of just one, (2) we contact each carrier's underwriter directly to get a preliminary health-class assessment based on your actual medical and financial history, and (3) we bring back real per-carrier rates BEFORE you apply, so there are no surprises later. This is especially valuable if you have any health condition, prior decline, occupation risk, or high-face-amount need.

Life insurance carriers have very different underwriting guidelines. The same applicant - say, a 45 year old with controlled Type 2 diabetes and a family history of heart disease - might be rated as Standard at one carrier, Preferred at another, and declined at a third. Because we shop the case in parallel and have direct relationships with each underwriter, we identify the carrier that views your specific profile most favorably. The premium difference between a Preferred class quote and a Standard quote on a $500K policy can routinely be $40 to $80 per month - over 20 years that is real money.

Everyone. We genuinely mean that - the service is open to all U.S. residents and is not limited to high-net-worth or complex cases. That said, Find My Policy is especially valuable for: (1) people who do not know exactly what kind of life insurance to buy, (2) people with any health condition (diabetes, prior cancer, heart history, depression, sleep apnea, high BMI), (3) people who have been declined or rated heavily elsewhere, (4) people who want the highest face amount they can qualify for, and (5) anyone who simply wants a licensed expert to do the shopping for them.

It depends on the depth of search you choose. A quick search for a simple case (healthy applicant, modest face amount, common product) is usually 1 to 3 business days. A comprehensive preliminary underwriting search - where we send the case to 4 to 8 different carriers and wait for each underwriter to come back with a written health-class assessment - takes 5 to 10 business days. Your specialist will recommend the right depth on the first call and set expectations clearly.

Not before we know what you qualify for. The preliminary underwriting search happens entirely on paper - your specialist gathers a brief medical and financial history during your intake call and sends that profile to each carrier's underwriting desk. Carriers respond with their preliminary health-class offer based on that profile. Only after you have seen the rates and chosen a carrier would the formal application (which may include a paramedical exam, attending physician statements, and a medical-records review) begin.

Yes, and this is one of the most common reasons people use the concierge service. A prior decline at one carrier does not mean every carrier will decline you - in fact, many of our biggest "wins" come from clients who were declined elsewhere and ended up approved at Preferred or Standard with one of our specialist carriers. We will ask about the reason for the decline up front and route your case to the carriers most likely to look favorably on your specific situation.

For a comprehensive case we typically contact 4 to 8 carriers for preliminary underwriting opinions, selected from our full panel of 30+ top-rated A.M. Best A or higher carriers. The exact list depends on your specific health profile, age, face amount, and product type. For a quick case (healthy applicant, common product) 2 to 3 well-chosen carriers usually produce the best rate without unnecessary back-and-forth.

It covers everything we offer: 10 to 30 year level term, return of premium term, whole life, guaranteed universal life (GUL), indexed universal life (IUL), final expense, guaranteed issue, no-medical-exam policies, and high-face-amount jumbo policies. Part of the value of the concierge is helping you choose the right PRODUCT, not just the right carrier - many applicants come in asking for term and end up choosing a hybrid GUL strategy once they see the long-term math.

For a quick search: basic demographics (age, sex, state, tobacco use), the face amount and term you are exploring, and any major medical conditions. For a comprehensive preliminary underwriting search: a more detailed medical history (diagnoses, medications, prior tests, family history), an honest financial picture (income, net worth, existing coverage, purpose of the policy), and any occupational or aviation/avocation risk. Your specialist will walk you through this in 15 to 20 minutes on the first call.

Yes. Insurancy is a licensed independent insurance agency and we treat your medical and financial information with the same care a doctor's office would. We use TLS-encrypted forms, never sell your information to lead aggregators, and only share what is strictly necessary for the underwriting process with the specific carriers you authorize us to contact. You can read our full privacy policy at the bottom of any page.

That is fine. Many of our Find My Policy clients use the service simply to understand what they would qualify for and at what price, then make a decision months or even a year later. Your specialist will document the preliminary offers and stay in touch on your schedule - no pressure, no high-frequency sales calls. If you decide later that you do not want coverage at all, you have lost nothing because the service is free.

A captive agent at one carrier can only sell that carrier's products and only see that carrier's underwriting decision. Insurancy is independent and licensed in all 50 states - we represent 30+ top-rated carriers and have direct relationships with each one's underwriting team. That independence is the only way to truthfully shop a case and recommend the best product, carrier, and rate for YOU. It also means we never have a quota or commission incentive pushing you toward a specific carrier.