TobyInsurance
4.8 from 1,200+ families
TobyInsurance
Insurance doesn't have to be complicated. Tell Toby a little about yourself, and he'll help you find a company that's right for you.
Get startedAbout a minute · No medical exam · Free to use
"I'd put it off for years. This took four minutes."
— Marilyn R., Tampa, FL
"No exam, no nurse coming out. That was the part I dreaded."
— James W., Akron, OH
"The agent didn't push. She just told me what it cost."
— Dolores M., Fresno, CA
There are hundreds of insurance companies out there, and they don't all want the same customer. Toby's job is to find the one that wants you — so you're not spending your evening on the phone to six of them.
Tell him a bit about yourself and he'll point you towards a licensed agency that suits you. They'll give you a call and talk you through what's actually available.
Toby never charges you a penny. The agency pays him, and your premium is the same either way.
Get Toby's help
Almost certainly. There's cover written for every stage of life — from young families protecting a mortgage, to people in their seventies and eighties arranging something small. Plenty of it needs no medical exam at all.
Your age, the cover you're after, and a few questions about your health. Nothing you'd need to look up.
He knows which of the licensed agencies we work with are right for someone in your situation.
A licensed agent talks you through it properly. If it isn't right for you, say so — that's the end of it.
So the people who depend on you aren't left short when you're gone. What a policy needs to do is different for every family, and that's rather the point — the right cover is built around your life, not somebody else's.
It's the one thing you'll ever arrange that only matters to somebody else.
Get Toby's helpIf anyone would struggle financially without you, now. Getting married, having children, taking on a mortgage or reaching retirement are the usual moments people start thinking about it. Cover is also cheapest while you are young and healthy, so waiting rarely pays off.
Yes. Insurers group applicants by risk, and younger, healthier people usually pay less. Age is only one factor though — your health history, whether you smoke, and how much cover you want all feed into the price.
There is no single right answer. Most people add up what they would want handled — the mortgage, other debts, everyday living costs for the family, and a funeral — then work back from there. A licensed agent will go through it with you properly.
Often not. Plenty of policies are written on a short set of health questions rather than an exam or bloodwork. Which ones are open to you depends on your age, your health and the amount of cover you are after.
It depends on your age, your health and how much cover you want. Nobody can quote you honestly without those answers, which is what the assessment is for. Some policies lock your premium once you are approved so it does not climb with age; others are priced for a fixed term. The agency will tell you which you are being offered.
Yes. Toby doesn't charge you anything, ever. When we refer you to an agency, that agency pays us. Your premium is the same either way, and you're under no obligation to take anything you're offered.