Instant support for your loved ones when they need it most.
Discover hidden Health Insurance rates with a licensed agent – completely free.- Lock-in your personalized ‘forever’ low-rate
- Easily compare benefits across top providers
- Learn how to double your payout
“I found a far better payout for the same cost, without the annoying salesman selling me nonsense.”
Find best options across top insurers
Get clear answers on
life insurance – for free,
expert help is just a call away.
Secure your family's future with a financial foundation today.
Have Children?
Protect your children's future with insurance that will provide a financial buffer should anything happen to you.
Quick Application
Getting whole life insurance is fast. The qualifying criteria are lower and you don't have to go through a medical exam.
Low Premiums
Whole life insurance is more affordable than most term and permanent life insurance policies. Find a plan that fits your needs.
Prepare for life's unexpected events with money when you need it.
PolicyScout will help you find the best “living benefit” to prepare yourself and loved ones with the protection of extra cash when you need it:
Replace loss of income and wages
Access cash equity in case of death, recession, pandemic lockdowns, unemployment, and other events outside your control.
Help out with a family's home mortgage
Keep making payments and avoid home forfeiture due to a few months of past due mortgage payments that were avoidable.
Leave a legacy for the next generation
Leave an inheritance to your loved ones to help them with college, debts, funeral, maternity, home loans, and wedding expenses.
Talk to a licensed agent – no worries or responsibility, just direct answers.
Provide your family with tax-free cash for a low monthly rate.
High Policy Amount
A high policy amount helps the family members who depend on you pay for burdensome bills.
No Medical Exam
No medical exam is required for most policies regardless of age, income, gender, or location.
Affordable Rate
Low monthly premiums you can comfortably pay to start growing your family's financial security.
Secure a low permanent rate for the policy payout you're after.
Never pay more than you should. Your permanent forever rate can be yours in under 5 minutes. PolicyScout can help find the most desirable policy for you and yours:
1. Find lowest premium
Your agent will outline the best policy payout for the lowest rate.
2. Compare cash payouts
With one call, we simplify a wide variety of rates and benefits from top providers.
3. Growing long-term equity
Begin growing cash equity by securing your permanent low rate with an agent.
Speak with a licensed agent – no stress or commitment, just clear answers.
“I found a great payout for a low monthly premium. I’m so happy my family will be taken care of.”
Don’t wait - start building your financial foundation today.
Fast Application
Securing final expense life insurance is fast with lower qualifying criteria and zero medical exam required.
Low Monthly Cost
Final expense life insurance is more affordable than most term and permanent policies. Easily find a plan that fits your needs.
Dependents?
Protect your dependent’s future with insurance that will provide a financial buffer should anything happen to you.
Which type of life insurance is right for your family?
Term Life (Temporary)
- Provides benefits during a limited amount of time such as 10, 15, 20, 25 or 30 years or upon retirement.
- Lower premiums, but doesn’t build cash equity.
- Typically provides protection for unforeseen life events.
Whole Life (Permanent)
- Provides benefits for an entire lifetime (or 120 years).
- Builds tax-free cash equity over time that you can access.
- Typically provides protection for unforeseen life events.
Gain a tax-free cash benefit you can access that grows over time.
Whole life insurance builds your investment over time so your family can count on you to help out – even after you’re gone.
1. Maximize your policy amount
Your agent will advocate for the maximum policy payout for the lowest rate.
2. Easily compare top benefits
With one call, we simplify a wide variety of rates and benefits from top providers.
3. Start growing equity today
Begin growing cash equity by locking in your permanent low rate with an agent.
Get straight answers from a licensed professional – no hassles, no commitment
Health Insurance in under 5 minutes.
Speak with a licensed agent now
Common Questions
When and where can I sign up for health insurance?
There is an annual period during which you can sign up for health insurance, known as open enrollment. If you miss the open enrollment period there may be an option to enroll during a special period if you meet certain criteria. You’re eligible to enroll in a special period if you have a life event such as having a child, getting married, or losing other coverage. You can enroll through the health insurance marketplace or look at your employer’s health insurance offerings. Check out our guide to health insurance enrollment.What is a deductible?
The amount of money that you pay before your insurance plan starts to pay. For example, if your deductible is $3000 then you will be responsible to pay the first $3000 of covered services. Once the deductible has been met, you may only need to pay the copayment or coinsurance, if it applies.What is the difference between copayment and coinsurance?
The copayment and coinsurance are the same in the sense that they both go into effect once the deductible has been met. The key difference is that a copayment is a specified flat fee whereas coinsurance is a percentage of a health service.If I am generally a healthy person, what type of plan is best for me?
A cost effective solution for a generally healthy, young person would be to look for a high deductible plan. Yes, you may have a higher amount to reach, however with a high deductible plan the premiums tend to be much lower. If you are a healthy person that doesn’t utilize a lot of health services, the money you save on health insurance premiums help pay for any out of pocket medical expenses that do occur. Not to mention most high deductible plans give you the option to open an HSA account to pay for covered medical expenses.How long can I stay on my parent’s health insurance plan?
A child can remain on their parent’s health insurance plan until they turn 26 years old. You can join or remain on a parent’s plan even if you are married, attending school, not living with or financially dependent on your parents, or are eligible to enroll in your employer’s insurance plan.Why use PolicyScout?
If you're shopping for a new insurance policy, you want to be sure that you've evaluated all your options. As an independent voice in the insurance landscape, PolicyScout has evaluated the big players in the industry so we can help you find the policy for you and your family.
What makes PolicyScout different?
When you purchase insurance straight from a carrier, it's hard to know if you're truly selecting the most valuable option. As an independent website, PolicyScout can suggest the most suitable company for each situation. And because of insurance regulations, you'll never pay more to purchase a policy through us than you would through a carrier directly.