Independent brokerage · 40+ carriers · Licensed in 47 states
Coverage decisions,
without the guesswork.
Life, health, car, home and Medicare quotes plus fee-only financial planning. Answer tap-through questions, skip the sales call, and get real numbers from a licensed advisor within one business day.
- No cost, no obligation
- We never resell your data
- About 2 minutes
Insurance
Every policy a household actually needs
Independent means we are not captive to one insurer. We put the same profile in front of dozens of carriers and show you who wants it.
How it works
Four steps. No phone tag.
The whole point of a broker is that you answer once and someone else does the shopping.
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01
Answer tap-through questions
One or two questions per screen, answered by tapping a box. We only ask you to type your name, email, phone and ZIP at the very end.
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02
We shop the carrier network
Your profile goes to the insurers most competitive for it. For life insurance that means matching your health class to the carriers that underwrite it best.
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03
You get a side-by-side comparison
Real premiums, real limits, real exclusions, in writing, within one business day. Including the option we think you should pick and why.
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04
Apply when you are ready
We handle the application, the underwriting follow-ups and the delivery. Then we check in once a year to make sure the policy still fits.
Financial services
Coverage is half the plan
Insurance protects the plan. These services build it. Advisory work is fee-only and disclosed in writing before it starts.
The name is the promise
A sherpa does not carry you up the mountain. They know the route, they carry the load, and they tell you when the weather turns.
That is the whole job here. You still choose the policy. We make sure you know what the numbers mean before you sign, and we say so when the answer is that you do not need to buy anything.
Why people trust us
We are not a lead farm
Most "compare quotes" sites sell your phone number to whoever bids highest, which is why you get eleven calls in an hour. That is not our business model, and it never has been.
- One advisor, one follow-up. Your request goes to a single licensed producer, not an auction floor.
- Your data is never resold. We do not sell, rent or share your contact details with third-party lead buyers.
- Honest about what is bad. Our guides say plainly when a product is overpriced, including products we can sell you.
- Underwriting-accurate quotes. We ask the questions a carrier asks so your quote is not revised upward later.
- Reviewed by licensed producers. Every guide is checked by a licensed life, health and property producer before publishing.
- Accessible by design. The whole site, forms included, meets WCAG 2.2 AA and works entirely by keyboard.
Ballpark pricing
What people like you actually pay
Illustrative monthly premiums for a healthy non-smoker in a mid-cost market, August 2026. Your quote depends on underwriting, location and the limits you choose.
| Coverage | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|
| $500k term life, 20-year | $22 | $31 | $71 | $180 |
| $1M term life, 20-year | $38 | $54 | $130 | $339 |
| Final expense, $15k whole life | — | $32 | $47 | $74 |
| Renters, $30k contents / $300k liability | $14 | $14 | $13 | $13 |
| Medigap Plan G | — | — | — | $139 |
Rates shown are examples for illustration only and are not an offer of coverage. Final premiums are set by the carrier after underwriting review and vary by state.
Learn first, buy second
Guides and calculators
Twenty-four plain-English explainers with real figures, plus three calculators that give you a number instead of a brochure.
Questions
Questions before you start
The things people ask us most before filling anything in.
What does PolicySherpas cost me?
Nothing. We are an independent brokerage paid a commission by the carrier you choose, and that commission is already built into the filed rate. Buying the same policy directly would not make it cheaper. For financial planning engagements, fees are disclosed in writing before any work begins.
Will you sell my information to other agents?
No. We are not a lead-generation site. Your answers go to the licensed advisor assigned to you and to the carriers you ask us to quote. We do not sell, rent or auction your contact information, and you can ask us to delete it at any time. See our privacy policy.
Why do the forms ask so many questions?
Because a quote built on three questions is a guess. Height, weight, tobacco use, medications and driving record are the same inputs a carrier uses in underwriting, so answering them up front is what makes your quote match the premium you are actually offered. Every question is a tap, and most people finish in under two minutes.
How fast will I hear back?
You get an emailed confirmation of exactly what you requested within the hour, and a side-by-side carrier comparison within one business day. One advisor, one follow-up call. If you would rather just talk, call (904) 555-0142 weekdays 8am to 7pm Eastern.
Do I have to take a medical exam for life insurance?
Often not. Accelerated underwriting programs now issue coverage up to $1 million to $3 million for healthy applicants under roughly age 60 using database checks instead of labs, usually within a few days. If a paramedical exam would get you a materially better rate class, we will tell you that too. See our no-exam life insurance guide.
Are you licensed in my state?
We hold resident and non-resident producer licenses in 47 states and the District of Columbia. Our national producer number is 21094887. Product availability, rates and policy forms vary by state and are subject to carrier underwriting approval.
Get your numbers in about two minutes
Tap through the questions, and a licensed advisor sends a side-by-side comparison within one business day. No cost, no obligation, no data resale.