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Why do you need life insurance?

Replace lost income

You will not leave your dependents financially helpless if they rely on your income, with adequate life insurance coverage.

Funeral expenses

Burial costs are expensive. With life insurance, in the case of your passing, your beneficiaries do not have to personally cover this financial burden.

Pay off debt

Debt does not disappear, whether you are alive or not. In most cases, your debt (mortgages or other loans) may fall on your spouse or other family members who are co-signers as they become responsible for repayment or worse, deal with collectors. Life insurance can alleviate just that.

Business coverage

As a business owner and partner, life insurance ensures one partner is not left with heavy financial burdens if the other dies.

College planning

Insurance proceeds can be a good supplement for your kids’ savings towards college.

Inheritance taxes

To avoid having your family getting hit with a big estate and inheritance tax bill when you pass away, make sure to be covered with life insurance to cover these added costs.
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Protecting those you love is easy

When you take care of your life, it is easy to protect your loved ones

Step 1

Answer a few simple
questions about you and
your lifestyle

Step 2

Check your Quality of Life Index
to unlock great rates
and personalized advice

Step 3

Simply select the right
insurance plan and apply
online.

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FAQ

FAQ Specific topic if needed

Is Sproutt licensed?Yes. Our insurance brokers are licensed by law in each state where they do business. You can find our licenses here.
Can Sproutt get discounts for its customers?No. Insurance rate tables and premiums are filed with and regulated by your state’s Department of Insurance. That means you pay the same price for a given insurance company’s product, no matter from whom you buy it. Since we have access to a large variety of insurance companies and products, we are able to offer you a variety of available products.
Does Sproutt sell customer info?No. We only share customer information with insurance companies once a customer decides to apply for a specific policy. Other than that, we never share personal customer information.
How does Sproutt choose and rate insurance companies?We consistently review and rate a large variety of life insurance companies. Our rating is based on several parameters, including: financial strength, competitive pricing, product suite, ease of process, and customer reviews. This rating allows our readers and customers to compare products from different life insurance companies.
Can I speak with a real person?Yes. An experienced Sproutt advisor is ready to speak with you at your convenience. Schedule a call or have an advisor call you promptly.
Can I apply for a life insurance policy online?Yes. Some people like doing everything online – we get that. With Sproutt’s digital platform, you can complete the application process online without speaking to an advisor. If you need help, you can always chat with an advisor or decide that you would like to schedule a call after all. That being said, it’s important to know that most insurance companies do require a phone interview once an application has been submitted. As your broker, there’s not much we can do about that except seek to make your experience as easy as possible.
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