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Life Insurance
From the basics to the details, we’re here to help you make the best choice for you and your loved ones.
What is life insurance?
What is a death benefit?
Do I need life insurance?
What kind of life insurance do I need?
How much does life insurance cost?
What is a beneficiary?
How does life insurance work?
I have employer-sponsored life insurance. Do I need more?
Will I be approved for life insurance?
What is a rider?
Quility
The Quility name may be new, but we’ve been in the insurance business for a while.
What is Quility?
What makes Quility different?
How much coverage does Quility offer?
Where is Quility’s headquarters?
What is Debt Free Life®?
How does Quility work?
How do I apply for coverage with Quility?
Will my policy be issued by Quility?
Who are Quility’s insurance advisors?
Do I qualify for the Debt Free Life® program?
Policy
Have questions about your policy? We’ve got answers.
Should I get term life insurance online or through an agent?
What information do I need to apply for term life insurance online?
What happens when my term life insurance coverage ends?
I can’t get in touch with my advisor. What do I do?
How do I file a claim?
Do I need to take a medical exam to get coverage?
How long does it take to secure coverage through Quility’s online application?
Who can I contact for help with my policy?
Is my policy reliable?
How do I cancel my policy?
From the basics to the details, we’re here to help you make the best choice for your family.
Life insurance is a contract with an insurance company that provides your beneficiary with a death benefit when you pass away.
A death benefit is the cash payout from your life insurance policy. It is tax-free.
You need life insurance if you would leave behind debt or if your loved ones would face financial hardship when you pass away.
At Quility, we believe that there is no one-size-fits-all insurance plan. Everyone has different life insurance needs – discover your options in our life insurance guide.
Much less than you might think! Term life insurance is generally the most affordable policy you can get – rates start at less than $20/month.
A beneficiary is the person who will receive the death benefit of your life insurance policy when you pass away. With this designation comes a lot of responsibility, so it’s important to choose someone who you trust.
You make monthly or annual payments – known as “premiums” – to your life insurance company to maintain coverage. In turn, your insurance company would provide a death benefit if you were to pass away (or face a covered critical illness or disability) while your policy is in force.
In some cases, yes. You may want to consider an additional policy to get the right amount of coverage for your life – and to ensure your family is protected if you experience a change in employment.
Most people (even those who have pre-existing medical conditions) can be approved for life insurance coverage. Life insurance rates and approvals are based on your health, age and lifestyle at the time you apply.
Life insurance riders are policy add-ons that can help you prepare for unexpected events that may arise while you are still alive, such as a disability or critical illness diagnosis.
Life Insurance 101
Quility is a convenient way to get life insurance on your terms. We’re your one-stop-shop for finding the best insurance at the best price.
Quility is where choice and simplicity meet. You can choose how you want to get your policy: Shop and apply online, live chat with us, or meet up with your local insurance advisor. We believe you should have options when it comes to shopping for insurance.
Coverage amounts differ depending on the product. Through our 100% online application, we offer up to $1 million in coverage for term life insurance. For coverage exceeding $1 million, one of our licensed agents will be happy to assist you in finding the perfect policy.
Quility operates outside of Asheville, NC and in Reno, NV.
Debt Free Life® is a modernized retirement savings solution that harnesses the power of a permanent life insurance policy to help you pay off debt and decrease the amount of interest paid to lenders.
Quility is a modern insurance broker. We partner with 80+ insurance companies to connect you with the most affordable and comprehensive life insurance policies on the market today.
You can fill out our online application for term life insurance, live chat with an advisor, or schedule a consultation with one of our licensed agents – it’s insurance your way.
No. Quility partners with over 80 insurance providers to give you the power of choice when it comes to shopping for insurance.
In 2020, agents at our partner companies, Symmetry Financial Group and Asurea, combined to form our nationwide network of Quility insurance advisors. Learn more about our expansion.
Debt Free Life is a modern way to pay off your debt using the cash value of a specialized whole life insurance policy for individuals who are paying their bills on time and contribute to a savings or retirement account. In your consultation, a certified Debt Free Life consultant will review your debt elimination report and find areas of opportunity for cash flow. The sooner you begin, the sooner you will become debt free.
Learn More
It’s up to you! You can fill out our online application – on your own or with support from our advisors – or you can schedule a consultation.
Like most insurance applications, you will be asked to provide contact information, detail any existing life insurance policies, answer some questions about your medical history, and name your beneficiary.
If you have a term life policy and your term has ended, you can choose to part ways with your insurance company, extend coverage for a new term or convert your policy to permanent life insurance coverage.
We can help! Contact us today.
You’ll need to contact the insurance company to file a claim. If you need help, we’re just a call or chat away.
Most policies do not require a medical exam to qualify for coverage, but it may be necessary on a case-by-case basis.
Our application takes about 10 minutes to complete.
If you put a plan together with a Quility advisor, reach back out for guidance whenever your insurance needs change. If you have specific questions for your insurance company about your billing or contact details, reach out to them directly. We’re available to chat at (888) 784-5489 (QUILITY).
Yes! Quility works with more than 80 trusted insurance providers, such as Mutual of Omaha and Foresters Financial, so we can shop around to get you the best coverage at the best price.
You can cancel your policy through your insurance company or with the help of your Quility advisor. Reach back out to us – it’s time to revisit your insurance needs!
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