Disclosures

Life insurance

Accelerated underwriting/"no medical exam" (life insurance) - Issuance of a term life or final expense life insurance policy without a medical exam is subject to product availability and your eligibility, and may depend upon your truthful answers to a health questionnaire.

"You could save 50% or more/up to 53%" (life insurance) - Savings of 53.21% estimated by calculating the average percentage difference between the highest and lowest monthly premiums for $500K, 20-year term life policies available in the policycentral marketplace for a 20-year-old male with a Preferred Plus health rating in all 50 states and Washington, D.C. Savings may vary by term, policy amount, health class, and state. Savings illustration valid as of 8/31/2021.

"You could save $1,300 or more per year" (life insurance) - Potential savings calculated by finding the average difference in premium between the highest and lowest term life quotes shown to customers who received at least two quotes between 4/23/2018 and 8/22/2020 and went in-force. Potential savings are based on a composite of multiple different contracts and insurers, each holding an A.M. Best Rating of at least A-. Not all policies in this calculation are available in all states. Savings may vary by term, policy amount, health class and state.

"Life insurance is less expensive than you might think" - Based on the results of a survey conducted by LIMRA in January 2020 in which 50% of millennial respondents born between 1981 and 1998 estimated that a $250,000 term-life policy for a healthy 30-year-old would cost over $1000 per year.

"Life insurance rates have dropped" - Average monthly premium for a $500K, 20-year term life insurance policy for a non-smoking 45-year-old male based on a composition of policies from carriers available through the policycentral marketplace, which may vary by carrier, term, coverage amount, health class, and state. Individual rates will vary as specific circumstances will affect each customer's rate. Not all products available in all states. Rate illustration valid as of 5/1/2021.

"Price range over 100%" (life insurance) - Price range for a 45-year-old male smoker in Colorado with a Regular Plus health rating searching for a 20-year, $1M term life insurance policy, based on a percentage difference of 118% between the highest ($1,776.57/mo from Sagicor Life Insurance Company of Scottsdale, AZ) and lowest ($461.12/mo from Illinois Mutual Life Insurance Company of Peoria, IL) quotes from 46 A- or better-rated life insurance carriers surveyed. Rate illustration valid as of 8/4/21.

"Rated #1 by Forbes Advisor" (life insurance) - Brighthouse SimplySelect term life insurance policy rated #1 on Forbes Advisor's list of Best Instant No-Exam Life Insurance.

"Up to 13"/"over a dozen" top insurers (life insurance) - Based on the NAIC 2022 ranking of life insurance companies. Product availability varies by state and is based on eligibility. Not all carriers available in all states.

"You add between 4.5%-9.2% on average to your premium every year you wait to buy" - We calculated the average annual increase in cost for non-smoking men and women with Preferred health ratings for a $1M, 20-year term life insurance policy in all states with each of the 11 carriers that offer policies through the policycentral marketplace. Calculation is based on a composite of policies from Corebridge Financial, Legal & General America, Brighthouse, Lincoln, Mutual of Omaha, Pacific Life, Principal, Protective, Prudential, SBLI, and Transamerica and may vary by carrier, term, coverage amount, health class, and state. Not all policies are available in all states. Rate illustration valid as of 9/22/2020.

"Life insurance rates typically increase with age" - Average monthly premiums for 20-year, $500K term life policies placed in force through policycentral for non-smoking men rated Preferred Plus from 9/1/2021 to 9/1/2022.

$100K term life policies

  • "$100K for as little as $17.61/mo" (life insurance) - $17.61 per month for a $100K, 10-year term life insurance policy for a 55-year-old female non-smoker rated Preferred Plus in California by Legal & General America of Frederick, MD. Individual rates will vary as specific circumstances will affect each customer’s rate. Rate illustration valid as of 5/26/2022.

$500K term life policies

  • $500K coverage from $0.55/day (life insurance) - Quote for a 20-year term life insurance policy for a 30-year-old female non-smoker rated Preferred Plus from Legal & General America of Frederick, MD. Availability, eligibility, and individual rates vary. Rate illustration valid as of 11/15/2023.

  • $19.27/mo, $19.99/mo, $22.36/mo (life insurance) - Quotes for a healthy, non-smoking 30-yo male in CA from Legal & General America of Frederick, MD; Savings Bank Life Insurance Company of Woburn, MA; and Transamerica Corporation of Baltimore, MD. Individual rates will vary. Rate illustration valid as of 2/24/22.

  • $16.35/mo, $16.57/mo, $17.30/mo (life insurance) - Quotes for a $500K, 20-yr term policy for a healthy, non-smoking 30-yo female in CA from American International Group, Inc. of New York, NY; Pacific Mutual Holding Company of Newport Beach, CA; and Savings Bank Life Insurance Company of Woburn, MA. Individual rates will vary. Rate illustration valid as of 2/24/22.

  • $500K policy for $16.23/mo (life insurance) - $16.23 per month for a healthy 29-year-old female in Texas for a $500K policy for a 20-year term by Brighthouse Life Insurance Company of Charlotte, NC. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 7/16/2020.

  • $500K policy for $29.39/mo (life insurance) - $29.39 per month for a non-smoking 29-year-old male rated Preferred Plus in Nevada for a $500K, 30-year term policy by Protective Life Corporation of Birmingham, AL. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 9/29/2021.

  • "Options start at just $17 per month for $500,000 of coverage" - $16.57 per month for a 20-year, $500K term life insurance policy for a 30-year-old female non-smoker rated Preferred Plus in New York by Legal & General America of Frederick, MD. Individual rates will vary. Rate illustration valid as of 7/6/2022.

  • "Rates as low as $18/mo for $500K in coverage"/"less than $1/day" (life insurance) - $17.74 per month for a $500K, 20-year term life insurance policy for a 33-year-old female non-smoker in New York by Legal & General America of Frederick, MD. Issuance of a policy is subject to product availability and your eligibility. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 7/30/2021.

  • "Starting at $15/mo" (life insurance) - Quotes as low as $15/month for a healthy 35-year-old male in New Jersey for a $500K policy for a 10-year term by Brighthouse Life Insurance Company of Charlotte, NC. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 6/17/2020.

  • Term life policies from $.53/day or $3.72/wk or $17/mo or $193/yr (life insurance) - Quotes for a $500K, 20-year term life insurance policy for a 20-year-old female non-smoker in New York by Legal & General America of Frederick, MD. Issuance of a policy is subject to product availability and your eligibility. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 7/30/2021.

  • Term life policies from $.53/day or $3.72/wk or $17/mo or $193/yr (life insurance) - $.53 per day/$3.72 per week/$16.40 per month/$192.93 per year for a $500K, 20-year term life insurance policy for a 20-year-old female non-smoker in New York by Legal & General America of Frederick, MD. Issuance of a policy is subject to product availability and your eligibility. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 7/30/2021.

$750K term life policies

  • $750K policy for $27.75/mo (life insurance) - $27.75 per month for a non-smoking 33-year-old male rated Preferred Plus in Pennsylvania for a $750K, 20-year term policy by Protective Life Corporation of Birmingham, AL. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 9/29/2021.

  • $750K coverage from $0.54/day or $3.76/wk or $16.64/mo or $195.74/yr (life insurance) - Quotes for a $750K, 15-year term life insurance policy for a 20-year-old female non-smoker rated Preferred Plus in New York by Legal & General America of Frederick, MD. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 2/15/2022.

  • $750K coverage from $0.71/day or $4.95/wk or $21.88/mo or $257.38/yr (life insurance) - Quotes for a $750K, 20-year term life insurance policy for a 20-year-old female non-smoker rated Preferred Plus in New York by Legal & General America of Frederick, MD. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 2/15/2022.

$1M term life policies

  • $1M policy for $35.01/mo (life insurance) - $35.01 per month for a $1M, 20-year SimplySelect term life insurance policy for a 35-year-old male non-smoker in Colorado by Brighthouse Life Insurance Company of Charlotte, NC. Issuance of a policy without a medical exam is subject to product availability and your eligibility, and may depend upon your truthful answers to a health questionnaire. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 5/17/2021.

  • $1M policy for $38.55/mo (life insurance) - $38.55 per month for a non-smoking 37-year-old male rated Preferred Plus in Michigan for a $1M, 15-year term policy by Pacific Life Insurance Company of New Jersey. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 9/29/2021.

  • $1M coverage from $0.61/day or $4.29/wk or $18.96/mo or $223.04/yr (life insurance) - Quotes for a $1M, 15-year term life insurance policy for a 20-year-old female non-smoker rated Preferred Plus in New York by Legal & General America of Frederick, MD. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 2/15/2022.

  • $1M coverage from $0.76/day or $5.37/wk or $23.71/mo or $278.99/yr (life insurance) - Quotes for a $1M, 20-year term life insurance policy for a 20-year-old female non-smoker rated Preferred Plus in New York by Legal & General America of Frederick, MD. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 2/15/2022.

  • "I got $1M life insurance for $31/mo" (life insurance) - $31.02/mo for a 34-year-old female in New York with a Preferred Plus health rating for a 20-year, $1M term life insurance policy by Banner Life Insurance Company of Frederick, MD on 6/1/21. Product availability may vary; your eligibility and individual rate may vary as specific circumstances will affect both. Model is not the actual customer.

  • "I saved 43% on my $1M life insurance" (life insurance) - Available savings were calculated by comparing the highest and lowest prices of policies available in the policycentral marketplace for a given profile. For example, for a $1M, 20-year term life policy for a 33-year-old female with a best class health rating in New York, the highest rate was $52.06/mo (Prudential Financial, Inc. of Newark, NJ) and lowest rate was $29.45/mo (Principal Financial Group, Inc. of Des Moines, IA) on 7/30/2021. Savings may vary by term, policy amount, health class, and state. Model is not the actual customer.

  • "I saved 45% on my $1M life insurance" (life insurance) - Available savings were calculated by comparing the highest and lowest prices of policies available in the policycentral marketplace for a given profile. For example, for a $1M, 20-year term life policy for a 33-year-old male with a best class health rating in New York, the highest rate was $61.69/mo (Prudential Financial, Inc. of Newark, NJ) and lowest rate was $33.90/mo (American International Group, Inc. of New York, NY) on 7/30/2021. Savings may vary by term, policy amount, health class, and state. Model is not the actual customer.

$2M term life policies

  • $2M coverage from $1.06/day or $7.42/wk or $32.82/mo or $386.08/yr (life insurance) - Quotes for a $2M, 15-year term life insurance policy for a 20-year-old female non-smoker rated Preferred Plus in New York by Legal & General America of Frederick, MD. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 2/15/2022.

  • $2M coverage from $1.36/day or $9.58/wk or $42.33/mo or $497.98/yr (life insurance) - Quotes for a $2M, 20-year term life insurance policy for a 20-year-old female non-smoker rated Preferred Plus in New York by Legal & General America of Frederick, MD. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 2/15/2022.

  • $2M policy for $51.58/mo (life insurance) - $51.58 per month for a $2 million, 15-year term life insurance policy for a 30-year-old male non-smoker with a Preferred rating in Georgia by the Lincoln National Life Insurance Company of Fort Wayne, IN. Product availability may vary; your eligibility and individual rate may vary as specific circumstances will affect both. Rate illustration valid as of 4/1/2022. Model is not the actual customer.

  • $2M policy for 39.17/mo (life insurance) - $39.17 per month for a $2 million, 20-year term life insurance policy for a 29-year-old female non-smoker with a Preferred rating in California by the Lincoln National Life Insurance Company of Fort Wayne, IN. Product availability may vary; your eligibility and individual rate may vary as specific circumstances will affect both. Rate illustration valid as of 3/4/2022. Model is not the actual customer.

  • "Policies that start at just $39/mo for $2 million of coverage" - $38.80/mo average rate for a 20-year, $2M term life insurance policy for a healthy, non-smoking 30-year-old female from Brighthouse Life Insurance Company of Charlotte, NC. Availability of products, insurers, and individual rates varies by state and may be based on eligibility. Rate illustration valid as of 1/17/23.

$3M term life policies

  • $3M policy for $64.33/mo (life insurance) - $64.33 per month for a $3 million, 10-year term life insurance policy for a 28-year-old male non-smoker with a Preferred rating in Texas by American International Group, Inc. of New York, NY. Product availability may vary; your eligibility and individual rate may vary as specific circumstances will affect both. Rate illustration valid as of 1/31/2022. Model is not the actual customer.

  • $3M policy for $55/mo (life insurance) - $55.00 per month for a $3 million, 20-year term life insurance policy for a 28-year-old female non-smoker with a Preferred Plus rating in Tennessee by the Lincoln National Life Insurance Company of Fort Wayne, IN. Product availability may vary; your eligibility and individual rate may vary as specific circumstances will affect both. Rate illustration valid as of 3/29/2022. Model is not the actual customer.

Final expense term policies

  • "As low as $7.99/mo" (final expense life insurance) - Quotes as low as $7.99/month for a 45-year-old male non-smoker for a Living Promise final expense life insurance policy with $2,000 in coverage by Mutual of Omaha Insurance Company of Omaha, NE. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 3/30/2021. Not all products available in all states.

Whole life policies

  • "$5K policy starting at <$16/mo" (whole life insurance) - $15.53 per month for a $5,000 whole life insurance policy for a 55-year-old female non-smoker with a standard health rating in California by Mutual of Omaha Insurance Company of Omaha, NE. Individual rates will vary. Rate illustration valid as of 5/18/2022.


Home & auto insurance

Auto coverage average of $1,281.18 per year/$106.76 per month/$24.63 per week: Averages based on premiums of all standalone auto insurance policies placed in force between June 1 and October 26, 2021 with policyholders aged 25+ across all U.S. states except California, Florida, and Louisiana. Premiums may vary based on eligibility, availability of products and discounts, and location.

Saved re-shoppers an average of $1,250/35% per year (home & auto insurance): Savings calculated by taking the average price savings of in-force policycentral customers who shared a copy of their prior bundled home and auto coverage with policycentral and used policycentral to switch to a comparable policy with a different insurer between 06/01/2020 and 04/01/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states. Savings may vary by policy amount and location.

Average savings of $435/yr (auto insurance): Savings are determined by calculating the average difference between the lowest and second lowest auto insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.

Average savings of 19%/yr (auto insurance): Savings are determined by dividing the lowest average and second lowest average auto insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.

Average savings of $350/yr (home insurance): Savings are determined by calculating the average difference between the lowest and second lowest home insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.

Average savings of 30%/yr (home insurance): Savings are determined by calculating the average difference between the lowest and second lowest home insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.

Saved re-shoppers an average of $455/17% per year (home insurance): Savings are calculated by taking the average price savings of in-force policycentral customers who shared a copy of their prior home coverage with policycentral and used policycentral to switch to a comparable policy with a different insurer between 06/01/2020 and 04/01/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states. Savings may vary by policy amount and location.


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Businesses that give you advice and sell you insurance are required to be licensed by each state in which they operate. All solicitations to apply for insurance and applications for insurance are made through policycentral LLC (f/k/a policycentral Inc., f/k/a Knowitowl Inc.) (DBA policycentral Insurance Services in CA), which holds the licenses listed below:

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A.M. Best's Credit Ratings ™

Best's Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best's Credit Ratings™ and Best's Credit Reports (which include Best's Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best's Credit Ratings™ for explanation of use and charges.

Best's Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of policycentral or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best's Credit Ratings™. Best's Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.

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