Straight answers

Yes. You never pay Check Life Quotes anything, and there is no fee added to a policy for coming through us.

Independent agents are paid a commission by the insurance carrier if you buy. That is how every independent agent in the country is paid, and it is the same whether you find them through us or walk into their office.

No. A lot of people go through this to find out where they stand, hear the numbers, and do nothing. That is a normal outcome and nobody will treat it as a problem.

Yes, and that is the point. When you finish the questions you pick a time on the agent's calendar, so you know when the call is coming.

If you give a phone number, expect a text and a call about that appointment. Reply STOP to any text and the texts stop. Message and data rates may apply and message frequency varies.

Indexed universal life, or IUL life insurance. It is a permanent plan in your own name: it does not end when a job ends, it goes with you when you change companies, and it pays your family if you are not here.

The agent explains how an IUL plan works in plain language on the call. Nothing on this site is advice about what to buy.

Because carriers price it, and they do not price it the same way as each other. A long haul driver, a roofer and an office worker of the same age and the same health can get three different answers from the same company, and a different ranking of companies.

Asking up front is the only way to point you at a carrier that is comfortable with your trade instead of one that is not.

It matters, and it usually matters less than people assume. It also matters differently at different carriers, which is the part most people never see.

That is the case for talking to an independent agent rather than one company's salesperson. They can shop it. A captive agent can only tell you what their own carrier says.

Check Life Quotes is a referral service. We are not an insurance company, we are not an insurance agency, and we do not sell insurance or give advice about it.

Our job is to ask the questions that decide the price and hand you to a licensed independent agent in your state. There is more on the About page.

The questions take about two minutes. There is nothing to look up, no documents to find and no forms to print.

The call with the agent is usually the longer part, and you pick when it happens.

No. Nothing on this site runs a credit check, soft or hard.

If you go on to apply for a policy, the carrier decides what it looks at, and the agent will tell you what that involves before you agree to anything.

No. The IUL life insurance plans offered through this site are written without a medical exam. The application asks health questions instead, and you answer them honestly.

The agent walks you through exactly what the application asks before you decide anything.

No. What you enter goes to the licensed agent we introduce you to so they can prepare for your call.

We are not a marketplace that resells the same enquiry to several agents, and we do not sell contact details to a list of buyers. The privacy policy sets out exactly what is collected and what happens to it.

Say where you are anyway. The list of states we can introduce you in changes as agents come on, and being outside it today does not mean you have to start over later.

Nothing about answering the questions locks you in or costs you anything.

Reply STOP to any text message and the texts stop. Use the unsubscribe link at the bottom of any email and the emails stop.

You can also tell the agent directly on the call, and that is honoured the same way.