Quotesmith.com, Inc. provides a fast, agent-focused quoting and application workflow for term life business. The Term Life Insurance - Instant Quotes program gives you access to real-time quotes from more than 90 term life carriers and a managed transaction process that takes you from quote to application—at no cost for IMMS members.
Overview of the Program From Quotesmith.com, Inc.
Designed for independent agents and brokers, QuotesmithPro consolidates multiple carrier feeds into a single quoting engine so you can deliver competitive, tailored term life options in seconds. The platform supports quote generation, branded proposal delivery, and handling of the application and back-end submission tasks—letting you spend more time with clients and less time navigating carrier portals.
Ideal Accounts and Appetite
This program works well for a broad range of personal lines term life placements, including:
- Individuals and families seeking straightforward level term policies (10, 15, 20, 30 years)
- Clients with common or impaired health issues (diabetes, asthma, past cancer, heart disease)
- High-volume personal lines agencies that want to add life insurance without adding overhead
- Middle-aged applicants and younger families looking for fast coverage decisions
QuotesmithPro is especially useful when you need to quickly identify which carriers will consider impaired risks and at what price.
Coverage Highlights and Advantages
- Instant quotes from 90+ term life carriers
- Support for a wide range of health profiles and impaired risks
- Custom-branded proposals that show your agency name and contact details
- End-to-end transaction handling—QuotesmithPro manages submission and follow-up
- Opportunity to earn standard commissions on each placement
For clients with health concerns, the engine quickly surfaces carriers likely to offer favorable underwriting, reducing needless applications and delays.
Underwriting Notes and Minimum Premiums
The quoting engine accommodates diverse medical histories and risk factors; many impaired-risk applicants can be quoted instantly. Quotesmith.com, Inc. does not disclose a firm minimum premium for this program, which makes it flexible for a range of client budgets.
Territories and Availability
This program is available nationwide: all 50 states plus Washington, DC, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY.
Why Work With Quotesmith.com, Inc.?
Quotesmith.com, Inc. has built a reputation for efficient life-insurance distribution tools. With QuotesmithPro you gain a turnkey quoting platform, underwriting access for impaired lives, and a team that manages the transaction workflow—reducing your administrative burden and helping you close more business. IMMS members receive platform access free of charge (a typical annual value of $239).
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for individuals and families seeking term life coverage, including applicants with common health issues such as diabetes, asthma, or heart disease.
Can I customize the proposals with my agency’s branding?
Yes. All quote proposals are branded with your agency name and contact information so they look professional when delivered to clients.
Is there any cost to use the QuotesmithPro platform?
The platform normally carries an annual fee (commonly $239), but IMMS members currently receive access free of charge.
Do I have to manage the application process myself?
No. QuotesmithPro handles the transaction from quote through policy submission and issuance, reducing the administrative work for your agency.
Which states can I write business in using this program?
You can use the program in all 50 states and Washington, DC.
Need help placing an account? Connect with a market specialist.