How we make money
Short version: you never pay us. The insurance company does.
Free for you, always
Using our rate checker, calculators and advisors costs nothing. When you buy a policy through Policy Ocean, the insurance company pays us a commission.
Your price is the same
Life insurance premiums are set by the insurer and filed with state regulators. You pay the same premium whether you buy through us or directly from the carrier — our commission comes out of the insurer's side, not yours.
How we choose what to recommend
Commissions differ between carriers and products. Our advisors are trained to recommend the policy that best fits your health profile, budget and goals. If a lower-commission product is the better fit, that is the one we will recommend.
Our rate estimates
Prices on our site are estimates based on your answers and typical carrier pricing. A licensed advisor confirms your exact rate with the carrier before you apply. Final rates depend on underwriting.
Questions? Contact us.
See your rate in about two minutes.
No phone number needed to see your estimate. Compare 50+ carriers, then talk to a licensed advisor only if you want to.