As a company, we get paid a commission by insurance companies for policies we sell. But don’t worry: these commissions are already baked into the price of all insurance policies. This means you never pay extra to use our service.

We understand that commissions introduce a potential conflict of interest. But we avoid that conflict by:

• Being transparent: showing you all quotes from all companies, so that you can decide what to buy (or not to buy)
• Focusing on advice: every day we publish free resources to help you make smart decisions about insurance. Also, our licensed experts are salaried, not commissioned, so that they can focus on advice and customer service, not sales.
• Being values-driven: one of our company values is to live by the Golden Rule with our customers and with each other. For example, we could make a lot more money by selling whole life insurance over term life insurance, but we don’t believe that’s the right thing for most consumers. So we don’t do it.

Yes, we’re licensed in all 50 states and Washington, DC. Click here to view our licenses.

No, we’re an independent insurance broker. What that means is that we represent multiple insurance companies and have no bias to recommend one over another. We only work with insurance companies that have at least an A- financial rating – this means you can be confident that you’re buying from a very reputable insurance company. For us it’s important you find the right insurance policy for your needs. When insurance companies compete for your business, you win.

Here’s the deal: you can’t get a cheaper price for a given policy from Insurance Company X from us, from another broker or directly from Insurance Company X. That’s because each insurance company files their prices with the state regulators, and everyone has to use those prices. It’s illegal for us or anyone else to discount that price.