We connect you with a LAD-licensed agent in your state. They run live rates across the carriers we represent, walk you through the differences, and send you a written quote — usually the same day you ask.
No call centers. No quote-aggregator middleman. One licensed agent, one direct conversation.
What you’ll get
- A real quote in 1 business day. Not a “starting from” rate — a quote with the carrier, product, guaranteed yield, surrender period, and any state restrictions specific to you.
- An agent who answers questions. Email, phone, or text — whichever you prefer.
- No obligation. Most people get a quote, sit on it for a week, and circle back. That’s fine. Quotes are free; we only earn a commission if you decide to apply.
- Privacy. Your info goes only to the LAD agent assigned to your inquiry. We don’t sell leads to third-party aggregators.
What we cover
- MYGA (multi-year guaranteed annuity) — fixed rate for 3, 5, 7, 10 years
- FIA (fixed indexed annuity) — principal protected, growth tied to an index
- SPIA / DIA (immediate or deferred income annuity) — guaranteed income for life
- Term life — straightforward, level-premium term coverage
- IUL / GUL / Whole life — permanent life insurance options
If you’re not sure what you need, that’s fine. The agent will help you sort it out.
How it works
- Submit the form. Tell us your state, age range, what you’re considering, and the best way to reach you.
- A licensed LAD agent calls or emails you within one business day. Usually the same day.
- You get a quote. State-specific, carrier-by-carrier comparison, in writing.
- You decide. No pressure. The agent is licensed and works with multiple carriers — they’ll recommend what fits, not push one product.
Get started
What happens next
The licensed LAD agent assigned to your inquiry will reach out. Once they have your details, they’ll run a live comparison across the carriers we represent — usually 5 to 15 carriers depending on the product and your state — and send you a written summary.
If you decide to apply, the agent walks you through suitability, the application, and the underwriting timeline. From quote to issued policy is typically 14–45 days for annuities, longer for medically-underwritten life products.
If you don’t decide to apply, that’s fine too. We’re not in the business of pestering people into a purchase. The quote is yours to keep, compare against other agents, or revisit later.
See this week’s MYGA rates or read about the carriers we represent.