TobyInsurance
4.8 from 1,200+ families
TobyInsurance
The right cover is cheaper and simpler than most people think. Answer a few questions and Toby will match you with a licensed agency suited to your age, your health and your budget.
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 and they do not all want the same customer. Toby's job is to work out which one is right for you, so you are not calling round six of them yourself.
You answer a few questions. Toby checks your answers against the licensed agencies we work with, and hands you to the one that fits your age, your health and the cover you are after.
You pay Toby nothing — the agency does. Your premium is the same either way.
Find my match
Almost certainly. There is cover written for every stage of life — from young families protecting a mortgage, to people in their seventies and eighties arranging a small final expense policy. Many of the policies we match to need no medical exam at all.
Your age, the cover you're after, and a short health section. Nothing you'd need to look up.
We check your answers against the licensed agencies we work with and hand you to the best fit.
A licensed agent talks you through it. If it isn't right, you say no and that's the end of it.
So the people who depend on you are not left short when you are gone. What a policy is asked to do differs from family to family, and that is the point — the right cover is built around your situation, not somebody else's.
It is the one thing you can arrange today that only ever matters to somebody else.
Find my matchIf 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.