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Yes. Comparing quotes on Quotient is free and doesn't commit you to anything.

Health, build and nicotine use are how insurers set prices. Honest answers mean the quote you see is closer to your final price.

No. We don't run a credit check to show you quotes.

Anywhere from the same day to several weeks, depending on the insurer, the coverage amount and whether an exam or medical records are needed.

Not always. Many healthy applicants qualify without one. If an exam is needed, it's free and can usually be done at home.

It's the insurer's review of your application, records and any exam results to decide whether to approve you and at what price.

Usually once you've signed the policy and made your first payment.

Yes. You can usually update beneficiaries any time by contacting your insurer.

Yes. Most policies have a free look period, often 10 to 30 days, for a full refund, and you can cancel later by stopping payments or contacting your insurer.

Your beneficiary contacts the insurer with the policy number and a certified copy of the death certificate. We're happy to help guide them through it.

Many claims are paid within 30 to 60 days after the insurer receives everything it needs.

No. We share your details only with insurers you choose to apply with. See our privacy notice for details.

Your information is encrypted in transit and at rest, and access is limited to the people who need it to help you.