Easy Quote Tool
Compare A + Rated Life Insurance Quotes in Real Time with Octans Insurance
At Octans Insurance, we believe buying life insurance should be simple, transparent, and pressure-free.
Our Easy Quote Tool allows you to compare quotes from over 120 A-Rated insurance companies in real time — without speaking to a salesperson and without submitting sensitive personal information.
Be your own agent. Compare your options. Make an informed decision. Then let us implement it for you — just like you trust your accountant or lawyer to execute the details correctly.
Types of Coverage Available
Term Life Insurance
Term life provides coverage for a specific period — typically 10, 20, or 30 years. It’s often the most affordable option and is commonly used for:
- Income replacement
- Mortgage protection
- Young families
- Temporary financial obligations
Whole Life & Final Expense
Whole life insurance provides lifetime coverage and builds cash value over time. It’s often used for:
- Funeral and burial expenses
- Estate planning
- Leaving a legacy
- Permanent protection
Indexed Universal Life (IUL)
Indexed Universal Life (IUL) is a type of permanent life insurance that provides:
- Legacy planning & lifetime protection
- Supplemental retirement strategies
- Tax-advantaged cash value growth
- Flexible premiums
- Cash value growth tied to a market index (such as the S&P 500)
- Downside protection with caps and participation rates
IUL is often used for:
- Long-term wealth accumulation
- Supplemental retirement planning
- Tax-advantaged growth strategies
Medicare Supplement (Medigap)
Medicare Supplement insurance helps cover out-of-pocket costs that Original Medicare does not, such as:
- Coinsurance
- Copays
- Deductibles
If you’re turning 65 or already enrolled in Medicare, Medigap can help protect your savings while you’re alive.
Companies We Work With
We are independent — which means we shop the market for you.
We partner with top-rated carriers including:
- Mutual of Omaha
- Transamerica
- Gerber Life Insurance Company
- Foresters Financial
- Aflac
- American Amicable
- Assurity
- And 100+ other A-Rated providers
Compare A-Rated Life Insurance Companies — In Real Time!
How It Works
You can search by:
Face Amount
Choose how much coverage you want.
OR
Monthly Premium
Enter how much you’re comfortable paying per month.
The tool instantly shows available options that match your criteria.
No pressure. No obligation.
How Much Coverage Do You Need?
A common guideline is 10–15 times your annual income.
You should also consider:
- Mortgage balance
- Children’s education
- Final expenses
- Ongoing living costs
What Affects Your Premium?
Your rate is based on:
- Age
- Health history
- Tobacco use
- Coverage amount
- Policy type
- State of residence
Generally, the younger and healthier you are, the lower your premium.
Our tool helps you evaluate these options quickly.
Be Your Own Agent and Get Real Time Term and Whole Life, Medicare Supplement Quotes
Privacy First
Don’t want to share personal information right away? No problem.
You can view quotes before speaking with an agent.
FOR TERM LIFE or MORTGAGE PROTECTION Quotes CLICK HERE —–> TERM LIFE QUOTER
FOR WHOLE LIFE or FINAL EXPENSE Quotes CLICK HERE —–> WHOLE LIFE QUOTER
FOR MEDICARE SUPPLEMENT (MEDIGAP) Quotes CLICK HERE —–> Medicare Supplement
For Index Universal Funds (IUL) Quotes CLICK HERE ——-> IUL QUOTER
SMS Disclosure
By submitting your information, you agree to opt-in to receive SMS messaging regarding appointment scheduling and policy setup. Your information will not be sold or shared. You may opt out at any time.
Coverage availability and rates vary by state.
If you’re a parent, own a home, or provide for others financially, ask yourself?
If something happened tomorrow, would your family be protected?
CALL (617) 935-9220
About Us – Learn about our amazing team whom will guide you with world class service!