Apply 100% on your own — a licensed independent agent is on standby only if you want one.
Only offered in select states: AZ, AR, CA, CO, FL, IN, KY, MA, MI, NE, NC, OH, PA, SC, TN, TX, VA, WA.
With CoverSavvy, you get the best of both worlds.
If you're young and healthy, you can buy affordably priced life insurance entirely on your own — right here on this page, straight from Instant Decision carriers. Plan on about 15–20 minutes to fill out the application; many of these carriers give you a decision the moment you finish. All online, on your own schedule, whenever works for you.
Want a hand? Maybe you've got a health condition, a larger policy in mind, or you'd just rather walk through it with a real person. A licensed independent agent — that's us — can work right alongside you, or take the whole thing off your plate. Your call.
We call it Agent Assisted: do it yourself when it's simple, lean on an agent when you want one. Either way, you have it your way.
Get a quote and apply online without picking up the phone.
Multiple carriers, one simple application
Licensed in: AZ, AR, CA, CO, FL, IN, KY, MA, MI, NE, NC, OH, PA, SC, TN, TX, VA, WA
A note on Ethos: Ethos is technically a broker platform, not a carrier — they compare quotes from several insurance companies and present you the best option. That's actually a plus if you're going the self-service route, since you'll see more than one company's pricing without having to fill out multiple applications.
Pricing varies significantly between carriers — especially if you have any health history. The first quote you get might not be the best one.
A "Preferred Plus" rate is wildly different from a "Standard" rate. If one carrier gives you Standard and another gives you Preferred, the second one will be cheaper — even if their base pricing is higher.
No medical exam doesn't always mean no health questions. You'll still answer a detailed questionnaire, and inaccurate answers can void your policy later.
Not every carrier is available in every state. Ethos isn't available in New York, for example. Check before you spend time on an application.
Before you commit, check your age on the CoverSavvy Term Life Index to see what rates look like across the market. If the direct quote you're getting is significantly higher, a broker might save you money.
If you've looked at a few quotes and want someone to shop the whole market for you — no pressure, no cost — we're here.
Our service is free. Policies cost the same whether you buy through us or direct.
Pick a carrier above, get a quote, and compare. If you want help later, we're a phone call away.