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Disclosures & Licensing Information
We back up the claims in our ads and on our site with sources and clear assumptions. This page explains how we illustrate rates, where we're licensed, how we're paid, and how we protect your information.
Last updated: [DATE]
Life insurance advertising claims
These are the claims Quotient makes in advertising and on this website, with the basis for each one.
"Compare quotes in about 5 minutes"
Our quote form has 13 short steps, and most are answered with a single tap. We estimate it takes about 5 minutes to complete. Your time may vary.
"See prices without giving us your phone number"
For term, whole life and indexed universal life, estimated prices are shown after the quote questions, and a phone number is only requested if you ask to speak with a licensed agent.
"Many healthy applicants skip the medical exam"
Several insurers we work with offer no-exam or accelerated underwriting to eligible applicants, typically for coverage up to [$ AMOUNT] and ages up to [AGE]. Eligibility is decided by the insurer. See No-exam and accelerated underwriting.
How we illustrate rates
Prices shown during and after our quote questions are estimates based on your answers and each insurer's published rates. They are not an offer of coverage. Your actual premium is set by the insurance company after it reviews your full application, which may include your medical history, prescription history, driving record and other information you authorize.
Premium ranges reflect the health classes you might reasonably qualify for. If the insurer assigns a different class, your price may be higher or lower than the estimate.
No-exam and accelerated underwriting
Issuance of a policy without a medical exam is subject to product availability and your eligibility, and depends on your truthful answers to a health questionnaire. Insurers may use third-party data, such as prescription history, the Medical Information Bureau (MIB) and motor vehicle records, to make a decision. An insurer may still request an exam, lab work or medical records before approving coverage.
Whole life and indexed universal life
Whole life and indexed universal life (IUL) policies build cash value. Any projection of cash value is an illustration prepared by the insurer, based on assumptions that may not happen. Only values labeled "guaranteed" in the insurer's illustration are guaranteed.
- IUL interest credits are linked to a market index but are subject to caps, participation rates and floors set by the insurer. You do not invest directly in the index.
- Policy loans and withdrawals reduce the death benefit and cash value and may cause the policy to lapse. Tax treatment depends on your circumstances.
- Life insurance is not an investment, savings account or retirement plan. We review your needs before recommending a permanent policy.
Our licenses and lines of authority
Quotient LLC is licensed as an insurance agency for life insurance (and annuities where noted) in the states below. Resident state: Florida, license number [LICENSE #]. National Producer Number: [NPN].
Quotient is not licensed in, and does not offer insurance to residents of, Hawaii or New York.
| State | License number |
|---|---|
| Alabama | [LICENSE #] |
| Alaska | [LICENSE #] |
| Arizona | [LICENSE #] |
| Arkansas | [LICENSE #] |
| California | [LICENSE #] |
| Colorado | [LICENSE #] |
| Connecticut | [LICENSE #] |
| Delaware | [LICENSE #] |
| District of Columbia | [LICENSE #] |
| Florida | [LICENSE #] |
| Georgia | [LICENSE #] |
| Idaho | [LICENSE #] |
| Illinois | [LICENSE #] |
| Indiana | [LICENSE #] |
| Iowa | [LICENSE #] |
| Kansas | [LICENSE #] |
| Kentucky | [LICENSE #] |
| Louisiana | [LICENSE #] |
| Maine | [LICENSE #] |
| Maryland | [LICENSE #] |
| Massachusetts | [LICENSE #] |
| Michigan | [LICENSE #] |
| Minnesota | [LICENSE #] |
| Mississippi | [LICENSE #] |
| Missouri | [LICENSE #] |
| Montana | [LICENSE #] |
| Nebraska | [LICENSE #] |
| Nevada | [LICENSE #] |
| New Hampshire | [LICENSE #] |
| New Jersey | [LICENSE #] |
| New Mexico | [LICENSE #] |
| North Carolina | [LICENSE #] |
| North Dakota | [LICENSE #] |
| Ohio | [LICENSE #] |
| Oklahoma | [LICENSE #] |
| Oregon | [LICENSE #] |
| Pennsylvania | [LICENSE #] |
| Rhode Island | [LICENSE #] |
| South Carolina | [LICENSE #] |
| South Dakota | [LICENSE #] |
| Tennessee | [LICENSE #] |
| Texas | [LICENSE #] |
| Utah | [LICENSE #] |
| Vermont | [LICENSE #] |
| Virginia | [LICENSE #] |
| Washington | [LICENSE #] |
| West Virginia | [LICENSE #] |
| Wisconsin | [LICENSE #] |
| Wyoming | [LICENSE #] |
How we make money
Quotient is paid a commission by the insurance company when you buy a policy through us. Commission amounts vary by insurer, product and coverage amount. Our licensed agents are also paid by commission.
Commission never changes the premium you pay; the price is the same whether you buy through Quotient or directly from the insurer. Results are ranked by price and fit for your needs, and our agents cannot change the ranking. We may receive additional compensation from insurers based on volume or other factors; details are available on request.
Featured insurers
Quotient works with a selection of insurance companies, not every company in the market. The insurers and products available to you depend on your state, age, health and the coverage you choose. Company names and logos are trademarks of their respective owners and are used for identification only. Their use does not imply endorsement of Quotient. Products and availability vary by state.
Customer reviews
Reviews shown on our site come from verified customers on [REVIEW SITE] and are displayed without editing. We do not pay for reviews or offer incentives in exchange for positive reviews. Ratings reflect all reviews as of the date shown.
We're not a law firm or financial advisor
Quotient is an insurance agency. We do not provide legal, tax or investment advice. Information on this site is for general educational purposes. For advice about wills, trusts, estate planning or taxes, please consult a licensed attorney or tax professional.
Privacy notice
We collect the information you give us to provide quotes and help you apply for coverage. We share your information with insurance companies only when you choose to apply, and with service providers who help us run our business under contract. We never sell your personal or health information. You can request access to or deletion of your information at any time.
Read our full Privacy Policy and our Gramm-Leach-Bliley Act privacy notice.
Online tracking opt-out guide
We use cookies and similar technologies to run this site and measure how it's used. We do not share your quote or health answers with advertising partners. To limit tracking:
- Use the "Do Not Sell or Share My Personal Information" link in our footer.
- Turn on Global Privacy Control in your browser; we honor it automatically.
- Clear or block cookies in your browser settings.
Web accessibility
We want everyone to be able to use Quotient. We design to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If you have trouble using any part of our site, please email info@choosequotient.com and we'll help you get a quote another way.
Security
Your information is encrypted in transit and at rest. We limit access to people who need it to serve you, and we maintain a written information security program. If you believe your information has been compromised, contact us right away at info@choosequotient.com.
A.M. Best ratings
A.M. Best financial strength ratings shown on our site are opinions of an insurer's ability to meet its ongoing obligations to policyholders. They are not a recommendation to buy a particular policy and are not a guarantee of an insurer's ability to pay claims. Ratings are current as of the date shown and may change. Ratings are used under license from A.M. Best; visit ambest.com for the latest ratings.
Photos and illustrations
Photos and video on this website show models and may be AI-generated, and illustrations are for illustrative purposes only. The people and scenarios shown are not actual Quotient customers.
Contact us
Quotient LLC. Email: info@choosequotient.com.