Quotacy life insurance: who issues it and how it works

Overview

Quotacy was a Minneapolis-based online life insurance brokerage that let shoppers compare anonymous term life quotes from many insurers and then apply online with help from a licensed agent. It was founded in 2014 as the sister company of Hallett Financial Group, an independent brokerage run by brothers Jeremy and Ryan Hallett.

Highland Capital Brokerage, a life insurance and annuity distribution firm then owned by Advisor Group (now Osaic), bought Hallett Financial and Quotacy in a deal that closed December 31, 2021 and was announced January 10, 2022. The press release said Quotacy would continue under its own brand, and it did for several years.

That changed in 2026. Internet Archive captures show quotacy.com still serving its own pages in mid-January 2026; by early February 2026 the site's pages were permanently redirecting, and as of October 24, 2026 every quotacy.com address we tried forwards to easylifeinsurance.com, a quoting site marked "powered by" Highland. We found no public announcement explaining the change, so this page treats Quotacy as an acquired brand that no longer sells under its own name.

Who issues the policy

Quotacy was never an insurer. It was a licensed producer (an agency), and every policy it placed was issued by the insurance company the customer chose. That insurer, not Quotacy or Highland, holds the contract, collects premiums after issue and pays the death benefit. The broker's disappearance does not change your coverage.

In August 2025 Quotacy's "Carriers We Work With" page listed these issuers:

• Corebridge Financial (American General Life) and its New York company, U.S. Life
• Cincinnati Life
• Equitable
• John Hancock
• Lincoln Financial
• Pacific Life
• Principal
• Protective
• Prudential
• SBLI
• Securian Financial
• Symetra
• United of Omaha (Mutual of Omaha)

The same page said Quotacy worked with "over 25" insurers, so older policies may have been placed with a company not on this list. Your policy contract names the issuer on its first page.

How buying works

When it operated, Quotacy's process ran in two steps. You could see prices without giving a name or contact details; personal information was requested only when you started an application. A Quotacy agent and its in-house underwriting team then reviewed the application and, if another insurer was likely to approve you at a better price than the one you picked, said so, though the choice of insurer stayed with you.

Underwriting was done by the insurer. Depending on age, coverage amount and health, that meant either a paramedical exam with blood and urine samples or accelerated underwriting with no exam. Quotacy's site said its staff were not paid commission, while its legal page disclosed that the agency itself was paid by the insurers, with compensation that could vary by insurer and policy.

New applications can no longer be started on quotacy.com. The EasyLife site it now forwards to is a Highland-branded quoting tool.

Products and limits

Quotacy mainly sold term life, with term lengths it described as 10 to 40 years depending on age. It also arranged whole life, guaranteed universal life and final expense coverage, typically by phone with its team. Coverage limits and ages were set by each insurer, not by Quotacy.

Reputation

Because the policies sit with the insurers, their financial strength is what matters to a policyholder now. On our insurer profiles, AM Best ratings for the main issuers range from A (Excellent) to A+ (Superior): for example Protective Life A+ (October 2026), Prudential A+ (August 2026), Mutual of Omaha A+ (April 2026), Corebridge Financial A (April 2026) and Lincoln Financial A (February 2026). Check the profile for the company that issued your policy.

We found no regulatory actions or lawsuits against Quotacy, Inc. in public sources. Its legal page included New York's required producer compensation disclosure.

Who it suits

Quotacy no longer takes new customers under its own name. If you are shopping now, compare current options in our guides to buying life insurance online: how instant decisions work and how to compare life insurance quotes fairly.

If you already bought a policy through Quotacy, your coverage continues as long as you pay premiums. Keep paying the insurer as before, and deal with that insurer directly for beneficiary changes, billing, conversions and claims.

Strengths (while it operated)

• Anonymous quotes from more than a dozen highly rated insurers
• In-house underwriting review before an application went to the insurer
• Sold term, guaranteed universal and whole life

Weaknesses

• Brand retired; quotacy.com now redirects to a Highland quoting site
• No public notice to customers about the change that we could find

How to contact Quotacy

Quotacy's former number, (844) 786-8229, and its office at 505 Highway 169 North, Minneapolis, are no longer listed on a working Quotacy site. For anything about an existing policy, call the insurer shown on your contract, using the customer service number on your policy or annual statement, or the number on our profile of that insurer. If you need to reach the agency of record, contact Highland Capital Brokerage, which owns the business.