Compare 11 carriers side by side
Term life, critical illness, home, condo, renters, auto and travel - complete a self-serve quote in 1 minute, get auto-generated proposals and applications, with licensed advisors handling underwriting and binding from start to finish.
Two product lines, one entry
Quote people, homes, cars or trips with one set of information
- ✓Rated by age, sex, smoking, term and coverage band; monthly includes admin fee
- ✓Reference: healthy 30, $500k T20 from $22-35/month
Client journey: clear at every step
Why it works
The "rate replication" model used by Applied Rating Services - local rate tables plus a rules engine, no dependence on carrier APIs that are not ready. That is how 11 quotes happen in seconds.
Technology speeds things up, while licensed advisors handle underwriting and binding - and explain complex terms in English, French, Simplified or Traditional Chinese.
Versioned rate tables (SIM-2026.5, SHA-256 checked) labelled as estimates; final quotes use official carrier rate books.
Start now - 11 quotes in 1 minute
Quotes are estimates; licensed advisors handle final pricing and underwriting