How to Get Health Insurance Quotes Without Giving Personal Information
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You may be wondering if it’s possible to get health insurance quotes without providing personal information. You may have even tried this approach, using fake names and bogus information in a mad dash to skip as many informational boxes as possible. But the important question to consider, is not whether or not you can get health insurance pricing without divulging some personal information, but should you? Health insurance quotes require at least some personal facts specific to the person seeking coverage in order to be accurate. While it is possible to get health insurance quotes without personal information, it is unlikely the quote will be true. Whatever time savings is achieved in skipping those boxes is quickly lost when the information returned is not specific to the person.
Insurance Quotes Without Personal Info
If your goal is still how to get health insurance quotes without personal information, let’s talk about what personal information might be required. Most online sources will not accept a query without some basic contact information, including:
- Email address
- Phone number
- Zip code
- Age or date of birth
- Tobacco use
While insurance companies cannot adjust pricing based on your sex, they can factor age, location, and tobacco use into the cost. Premiums for older individuals can cost as much as 3 times more than what a younger person might be required to pay. The older the individual, the more likely he or she has serious health conditions. Similarly, people who use tobacco products are more likely to have or develop certain health ailments. This results in higher premiums for those who have, or continue to use, tobacco.
Finally, location is a factor for several reasons. There are state to state variations in cost due to state regulations, competition, and the cost to do business. Furthermore, be it due to climate, certain cultural influences, or the availability of healthy eating options, populations in some regions of the country fair better than others, in terms of health conditions. Whatever the cause, people who live in the same area tend to share similarities in their risk profiles.
We’ve now discussed what questions are mandatory when getting health insurance quotes without personal information. But what if I told you answering just a couple of optional questions could open up a world of savings? If you want to know if you qualify for any government subsidies, you must provide answers to two additional questions. What is the number of household members, and what is your annual household income? Your answers to these two question can help determine if you qualify for a premium tax credit that lowers the monthly cost of your insurance plan.
HealthMarkets offers lots of assistance to those seeking health insurance quotes without personal information (though we’ll be able to help you the most if you choose to share that information). We operate independently of insurance companies and the government, and offer non-biased advice. We provide access to thousands of plans, since we have access to over 180 insurance companies nationwide. We can provide subsidy information, and can help save you money. This service comes at no cost to you, and our best price guarantee* ensures you won’t find a lower price anywhere else for a plan we offer. Simply put, HealthMarkets helps to provide the best protection, at the best price!
Contact HealthMarkets today for more information!
Online Auto Insurance
Insurance Quotes without Personal Information Online
Wednesday, October 21, 2009 6:01 pm
If you’re looking to purchase a new vehicle or insure a car that you already own, browsing around for auto insurance quotes can be a tricky thing. These days, it’s hard to trust websites with your information and that’s why your best bet would be to avoid sites that ask for too much information. What’s too much information? Well, applying for auto protection, you’ll come across legitimate websites that ask you for appropriate info that can allow them to better assess you as a customer. The vehicle insurance company will need to know your name, date of birth, zip code, type of car and a phone number where you can be reached. Other sites that require you to enter more information, such as a driver’s license number and social security number could very well be scammers. You don’t really know who you can trust.
Checking Out Insurance Companies
Auto insurers check you out, so why not check out the vehicle protection agencies you are looking to get an estimated premium from? As you’re browsing around the different websites, if you feel that they are asking for too much information, simply take down the information about the company and do research on them. If they don’t provide a number or address, you should definitely be weary. The Better Business Bureau, also known as the BBB, is a great place to start. They have a website where you can look up companies by their names and locations. There you will find out if they are registered members of the Better Business Bureau and/or if they have a complaint file. If you do happen to find one, check to see what type of complaints the car insurance company you’re looking up has and whether they have been resolved or not.
Another great way to check out vehicle coverage providers is to look them up on Google. There are various websites, like RipOffReport.com, that allow consumers to complain about various entities. You can look on those websites or you can simply type in terms like “auto protection carrier’s name” rip-off, “car insurer’s name” complaints or “vehicle insurance provider‘s name” scam. Likely you will be able to find some listings on the first page that relate to those keywords. If not, the car coverage carrier may be legitimate. Still check with the Better Business Bureau to see if they have any files, good or bad, on the insurance provider. Give the insurance companies a call as well. Speaking with them over the phone will give a better idea of who they are. Look up the company to see how long they’ve been in business, this will allow you to know if they are a fly-by-night car insurer or if they are reputable.
Searching for Car Protection Rates Without Personal Information
Looking for auto insurance rates is quite simple with the use of the internet and home computer. You can begin by searching around for insurance comparison websites that will match you up with various insurers and allow you to compare them side-by-side. When you’re looking through the premiums, make sure to look at all of the coverage that’s offered to ensure that you’re getting all the benefits you need for your situation. You want to make sure that you’re getting a good deal for the price you’re paying. If you feel like you don’t need that much coverage, you can easily lower the liability limits and increase the deductibles. This will also cause your insurance quote to drop down a bit.
As you are searching through the comparison site, make sure that you are not getting caught up in a scam to steal your information. Don’t reveal more than your name, birth date, car info and zip code (quotes are checked by location).
Buying Car Premiums Without Personal Information
At OnlineAutoInsurance.com, you will receive a quote based on the information you’ve given us. In order to adjust the car insurance rate you get, you can mess around with the deductibles and liability limits. The higher your deductibles, the lower your rates and the lower your liability limits, the lower your insurance quote becomes. Just keep in mind though, the deductibles you choose, you are required to pay upfront and out of your own pocket. It is very important that you look over the contract of your auto insurance policy to see exactly what you’re getting. If there is anything that you don’t understand, you can speak with one of our representatives to ask questions or clarify anything you see on the contract.
It is important that you check with your state vehicle insurance regulations to ensure that you’re buying enough to legally drive around. Each state has minimum requirements for body and damage liabilities. You should be able to find the website for your state’s auto coverage requirements online. They offer this information freely to the public.
At OnlineAutoInsurance.com, we don’t ask you for any personal information, such as your social security or driver’s license number. The information we do request will determine what your auto protection quote will be. We believe in building trust with our clients, so we don’t make them feel uneasy about dealing with us.
Getting insurance quotes without personal information requirements is very simple when you have access to the web. Simply browse through the car coverage providers that are out there to see what type of coverage you can find. The useful web tools that allow you to obtain auto coverage prices is very handy if you use them accurately. See how much your coverage quote will be by using the useful tool today.
QuickQuote – Term Life Insurance
Term Life Insurance
No hassles, phone calls or emails.
Just free quotes. Instantly.
Why Choose QuickQuote for Term Life Insurance?
Get the best rates by comparing quotes from the nationвЂ™s top term life insurance companies. 100% free.
We’ll find the best term life insurance rates from the best companies, leaving you more time for your family, reading or shopping (the fun kind).
Find out how much term life insurance you need with our instant calculator, or speak with us by phone.
Provide some very basic info and get instant term life quotes. No phone calls. No hassles. No charge.
Apply online and sign electronically at your convenience. No paperwork, trips to the post office or talking with an agent (though, we are friendly).
Will I Qualify?
If you’re like 95% of our applicants, yes, you’ll qualify for term life insurance. It’s fast and easy to find out.
Tired of giving your name, email and phone number to every website you visit? Us, too.
Apply by Phone
Select your personal appointment time and we’ll call you to complete the application. No surprises, interruptions or screening calls.
We respect your inbox and voice mail. And your privacy in general. Which is why we won’t bother you.
72% of Americans overestimate the cost of life insurance by an average of 3x the actual cost!
Based on the 2017 Insurance Barometer study by LIMRA
Answers to Your Term Life Insurance Questions
What is term life insurance?
Term life insurance is the most basic and least expensive form of life insurance you can buy. There are no investment accounts, cash values or policy loan features on term life. Just pure and simple life insurance protection.
You can choose a term length of 10 to 35 years, and a coverage amount of $25,000 to $25M or more.
How much does term life insurance cost?
Term life insurance is inexpensive relative to other types of life insurance such as whole life or universal life. Your cost will depend on factors like age, gender, medical history, current health, tobacco use, driving record, and more.
The life insurance company will assign a rating class to your policy during the underwriting process. This class will determine how much you will pay.
How do I buy term life insurance?
You can buy term life insurance from an independent agent or broker (like us), from a captive agent (think Allstate or Farmer’s), or directly from a life insurance company, although very few sell directly to consumers.
The important thing to keep in mind is the cost is the same to you regardless of who you buy the policy from. Rates are set by the life insurance companies and approved by state insurance departments. Agents and brokers cannot adjust these rates up or down. However, they can help you find the lowest rate based on your unique circumstances.
How do I apply for term life insurance?
The term life application process is simple. We’ll do most of the heavy lifting for you.
- Select a company – Pick your favorite and click “Apply.”
- Schedule your application call – We’ll give you the calendar, you pick the day and time to complete your application with us by phone.
- Complete your paramed exam – We’ll schedule this during your call. All you have to do is meet with the examiner.
- Sit back and relax – We’ll work with the company to get your application approved. We may ask you for information from time to time, as needed.
- Return your policy documents and the first payment – We’ll mail your new policy to you. You’ll send us back any signatures needed and the first payment.
That’s it! It really is that simple.
Online Health Insurance Quotes No Phone Calls
Enter Your Information to find health plans:
By using this website and clicking the “Show Subsidy-Eligible Plans” or “Show Plans with No Subsidy” button, you agree that we may call you or contact you regarding the orders or inquiries you have initiated or placed online via telephone, e-mail and/or standard mail, at the specific telephone numbers and addresses you have entered on this website. You hereby consent to such calls or contact even if your phone number is on any Do Not Call list.
This website is operated by HealthInsurance.com, Inc. and is not the Health Insurance Marketplace website. In offering this website, HealthInsurance.com is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 C.F.R. 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to Health Insurance Marketplace website at HealthCare.gov.
Tobacco use may affect the total premium up to 50% increase. Our premium may not include the actual tobacco surcharge. The actual tobacco surcharge will be determined from your state exchange.
Do not cancel any in-force health coverage until you have received written formal approval of acceptance (also known as an insurance certificate) from the company you select. It is important to pay attention to the effective date, benefits, limitations and exclusions of the insurance policy you select. Final rates and effective dates are subject to underwriting and are always determined by the health insurance company.
This site was designed to provide you with a general description of the plans you requested. Keep in mind that it does not include all the benefits and limitations outlined in the policies — it is the insurance contract, not the general descriptions on this website, which forms the contract between you and the insurance company. HealthInsurance.com Inc., its suppliers or any third parties named in this site are not liable for any damages that result from using, or inability to use, the website and material listed within it, whether based on warranty, contract, tort or any other legal theory and whether or not HealthInsurance.com Inc. is advised of the possibility of such damages. This includes, but is not limited to, incidental and consequential damages, lost profits or damages resulting from lost data or business interruptions. The use of the website and its material, some of it supplied by third parties, is at your own risk. Although we strive to provide the most current and complete information on this website, we make no representations about the accuracy, completeness or timeliness of the material found here. Please note that updates are made periodically to the website and we reserve the right to make them at any time.
HealthInsurance.com, we are committed to protecting your privacy.
What if I want to just insure my children?
When insuring your child(ren) only, each child must be entered and submitted separately.
I only need health insurance for 1 – 3 months…
Short-term plans are similar to major medical health plans, except they are designed to provide coverage for only 1 to 3 months (30 – 90 days).
Short Term medical plans are not ACA complaint health plans
- ACA health plans are guaranteed issue, meaning that you cannot be denied coverage based on preexisting conditions. Short term medical plans are not guaranteed issue. Coverage can be denied for preexisting conditions.
- ACA plans are required to cover 10 essential benefits, including maternity and newborn care, mental health and substance abuse disorder service. Short term plans vary in what they cover. Check your plan details carefully.
- Tax penalties still apply, unless you are exempt
- You could end up with a coverage gap if your short-term ends and you are not eligible for a special enrollment period
Finding and applying for a sensible medical plan has never been easier. We offer health insurance plans from top health insurance companies nationwide.
Instant Health Insurance Quotes
Advisors available 9:00am-11:00pm ET
We make it our mission at HSA for America to find you the lowest rates and best coverage to meet your particular needs. Because insurance rates are regulated by law in every state, no insurance company or agency is allowed to sell at a price any different from the approved premium, and no one can offer a lower premium for the same insurance plans that we offer.
If you are in good health, you may also want to compare these rates to the cost of joining a healthshare plan. Members of these faith-based plans are legally opted out of Obamacare, and can often lower their costs by thousands of dollars a year.
Most importantly, we are specialists on both HSA plans and healthshare plans, and will help you save money on your health coverage and medical expenses now, and year after year. We take great care of you, so that we earn your business for life!
Secure Online Applications
The easiest and most efficient way to apply for an HSA plan is online through an insurance company’s secure online application. This will enable you to avoid the hassles of filling out a paper application, and will speed up the process by instantly transmitting your information directly to the insurance companys underwriting department. We will be notified of your application, and will let you know if we need any additional information. Well also keep you informed on the status of your application every week, and let you know as soon as youve been approved. After running instant quotes, you can apply online for most plans we offer right from the quoting system’s results page. Or you can get information on how to choose a plan and see all your apply options on our “How to” Guide page.
Schedule a Consultation
If you are serious about choosing the right plan and would like us to assist you in evaluating the available plans in your area, we are available for consultation. Find out more about our Personal Consultations.
” You Made It Easy To Compare Prices and Services of the Different Plans “
I am very pleased with your service. Your email response to my questions was very quick and thorough, and you made it easy to compare prices and services of the different plans.
The service has been quick and thorough, and really beyond expectation. I like that you deal directly with the health insurance company for me, so I didnt have to through their phone system to ask for an additional insurance card. Thank you for handling it for me!
” Application is extremely straight-forward, customer-friendly, quick and intuitive “
What’s normally frustrating in searching for health insurances is the lack of easy access to all the offers on the market, the difficulty to compare the different plans. The service you offer is a comprehensive chart listing all available plans with their features and prices so it was easy for me to find the most suited option at my fingertips. I can run quick comparisons between plans to see the differences in coverage and price. The online paperless application is extremely straight-forwarded, customer-friendly, quick and intuitive.
My Personal Benefits Manager has been very prompt and responsive to my inquiries and makes me feel like he’s there to help me out throughout the life of the plan. When he says he will always be looking for price changes and have recommendations if a different plan is needed, I feel like he’s helping me managing my plan and I don’t to worry if I’m paying too much.
“Leslie showed me ways to save a substantial amount of money. No hassle at all in the process – I looked online for information and found all my answers on your site. I was able to get an immediate quote instead of multiple phone calls.”
Excellent. Leslie was very helpful and pleasant to work with. I got answers to my emails very quickly. Leslie also showed me ways to save a substantial amount of money. My Personal Benefit Manager is very knowledgeable! No hassle at all in the process. I looked online for information and found all my answers on your site. I was able to get an immediate quote instead of multiple phone calls .