Quility Help Center

Get the answers to all your life insurance questions.

Life Insurance

From the basics to the nitty-gritty details, we’re here to help you make the best choice for your family.

What is life insurance?

Life insurance is a contract with an insurance company that provides your beneficiary with a death benefit when you pass away.

What is a death benefit?

A death benefit is the cash payout from your life insurance policy. It is tax-free.

Do I need life insurance?

You need life insurance if you would leave behind debt or if your loved ones would face financial hardship when you pass away.

What kind of life insurance do I need?

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.

How much does life insurance cost?

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.

What is a beneficiary?

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.

What is life insurance?

Life insurance is a contract with an insurance company that provides your beneficiary with a death benefit when you pass away.

What is a death benefit?

A death benefit is the cash payout from your life insurance policy. It is tax-free.

Do I need life insurance?

You need life insurance if you would leave behind debt or if your loved ones would face financial hardship when you pass away.

What kind of life insurance do I need?

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.

How much does life insurance cost?

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.

What is a beneficiary?

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.

How does life insurance work?

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.

I have employer-sponsored life insurance. Do I need more?

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.

Will I be approved for life insurance?

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.

What is a rider?

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.

Quility

The Quility name may be new, but we’ve been in the insurance business for a while.

What is Quility?

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.

What makes Quility different?

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.

How much coverage does Quility offer?

Coverage amounts differ depending on the product. We offer up to $300k in coverage for term life insurance and a wide range of coverage amounts for our permanent life insurance products.

Where is Quility’s headquarters?

Quility operates outside of Asheville, NC and in Reno, NV.

What is Debt Free Life®?

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.

How does Quility work?

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.

How do I apply for coverage with Quility?

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.

Will my policy be issued by Quility?

No. Quility partners with over 80 insurance providers to give you the power of choice when it comes to shopping for insurance.

Who are Quility’s insurance advisors?

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 .

Do I qualify for the Debt Free Life® program?

Yes! In your consultation, your advisor will review your financial worksheet with you and find areas of opportunity for cash flow. The sooner you begin, the sooner you will become debt free.

Policy

Have questions about your policy? We’ve got answers.

Should I get term life insurance online or through an agent?

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.

What information to do I need to apply for term life insurance online?

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.

What happens when my term life insurance coverage ends?

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.

I can’t get in touch with my advisor. What do I do?

We can help! Contact us today.

How do I file a claim?

You’ll need to contact the insurance company to file a claim. If you need help, we’re just a call or chat away.

Do I need to take a medical exam to get coverage?

Most policies do not require a medical exam to qualify for coverage, but it may be necessary on a case-by-case basis.

How long does it take to secure coverage through Quility’s online application?

Our application takes about 10 minutes to complete and our trusted partner, American Amicable, typically takes two business days to review applications.

Who can I contact for help with my policy?

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).

Is my policy reliable?

Yes! Quility partners with more than 80 trusted insurance providers, such as American Amicable, Mutual of Omaha, and Foresters Financial, so we can shop around to get you the best coverage at the best price.

How do I cancel my policy?

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!

Life Insurance

From the basics to the nitty-gritty details, we’re here to help you make the best choice for your family.

What is life insurance?

Life insurance is a contract with an insurance company that provides your beneficiary with a death benefit when you pass away.

What is a death benefit?

A death benefit is the cash payout from your life insurance policy. It is tax-free.

Do I need life insurance?

You need life insurance if you would leave behind debt or if your loved ones would face financial hardship when you pass away.

What kind of life insurance do I need?

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.

How much does life insurance cost?

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.

What is a beneficiary?

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.

How does life insurance work?

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.

I have employer-sponsored life insurance. Do I need more?

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.

Will I be approved for life insurance?

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.

What is a rider?

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.

 
Learn more about life insurance contracts, product options and how to customize your best-fit policy on our life insurance guide.

Life Insurance 101

Quility

The Quility name may be new, but we’ve been in the insurance business for a while.

What is Quility?

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.

What makes Quility different?

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.

How much coverage does Quility offer?

Coverage amounts differ depending on the product. We offer up to $300k in coverage for term life insurance and a wide range of coverage amounts for our permanent life insurance products.

Where is Quility’s headquarters?

Quility operates outside of Asheville, NC and in Reno, NV.

What is Debt Free Life®?

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.

How does Quility work?

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.

How do I apply for coverage with Quility?

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.

Will my policy be issued by Quility?

No. Quility partners with over 80 insurance providers to give you the power of choice when it comes to shopping for insurance.

Who are Quility’s insurance advisors?

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.

Do I qualify for the Debt Free Life® program?

Yes! In your consultation, your advisor will review your financial worksheet with you and find areas of opportunity for cash flow. The sooner you begin, the sooner you will become debt free.

 
Our advisors are here to help you find the best life insurance solution for you and your family.

Learn More

Policy

Have questions about your policy? We’ve got answers.

Should I get term life insurance online or through an agent?

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.

What information to do I need to apply for term life insurance online?

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.

What happens when my term life insurance coverage ends?

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.

I can’t get in touch with my advisor. What do I do?

We can help! Contact us today.

How do I file a claim?

You’ll need to contact the insurance company to file a claim. If you need help, we’re just a call or chat away.

Do I need to take a medical exam to get coverage?

Most policies do not require a medical exam to qualify for coverage, but it may be necessary on a case-by-case basis.

How long does it take to secure coverage through Quility’s online application?

Our application takes about 10 minutes to complete and our trusted partner, American Amicable, typically takes two business days to review applications.

Who can I contact for help with my policy?

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).

Is my policy reliable?

Yes! Quility partners with more than 80 trusted insurance providers, such as American Amicable, Mutual of Omaha, and Foresters Financial, so we can shop around to get you the best coverage at the best price.

How do I cancel my policy?

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!
Have more questions about your policy? Get in touch with us today.
Contact Us