Quote Genie is a national insurance brand owned by Ocean Beach Media. Insurance is sold through Quote Genie Insurance LLC, a licensed independent agency. Our editorial team writes the guides and carrier reviews on this site; licensed agents review every piece for accuracy before publication.
Each carrier receives a 1–5 rating from five weighted factors: price (30%), measured on sample premiums for healthy 30-, 40- and 50-year-olds at $500,000 and $1 million for 20- and 30-year terms; financial strength (20%), the AM Best rating of the issuing company with a minimum of A to be rated at all; underwriting flexibility (20%), published issue ages, no-exam limits and treatment of common conditions; policy options (15%), term lengths, face-amount range, conversion and riders; and buying experience (15%), time to decision, application quality and NAIC Complaint Index.
Carrier facts were last reviewed October 19, 2026. Product features change; if you find an error, email editorial@quotegenielifecoverage.ai.
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