Instant quotes · No agent call
Compare real quotes from major carriers.
Tell me who you are, answer a few health and coverage questions, and see actual pricing across 40+ carriers. You can apply online in the same session. Nobody phones you to unlock a number.
Step one of three
Start with your name, get live pricing on the next screen.
Four fields, then the quoter opens with your details already filled in. The rates come straight from the carriers. If you stop halfway, I can pick it up where you left off instead of you starting over.
What happens, in order.
Step one
Your name and contact
Four fields so your quote is saved to you. The quoter opens right after with those details already filled in.
Step two
Health questions, then real pricing
A couple of minutes, no exam at this stage. You see the same carrier pricing I see, side by side. There is no version of this where I get a better number than you do.
Step three
Apply and e-sign
In the same sitting if you want. Underwriting and carrier approval come after, and nothing is in force until a carrier issues.
Quoting and applications are processed through BackNine Insurance. Pricing shown is an estimate and is not a binding offer. All coverage is subject to underwriting and carrier approval, and final rates may differ from quoted rates. Rae & Co Capital may receive a commission on insurance products, a conflict of interest that is disclosed. Rae & Co Capital is licensed for life insurance in South Carolina; availability elsewhere depends on licensing and carrier approval.
Before you open it
What people ask before they quote.
How much does life insurance cost in South Carolina?
Cost depends on your age, health, coverage amount, term length, and the carrier's underwriting. Healthy applicants in their 30s often find term coverage costs less than a monthly streaming bundle. You can compare real quotes from major carriers yourself in about two minutes using the quoting tool on this page, with no phone call required.
Can I get a life insurance quote without talking to an agent?
Yes. The quote tool on this page lets you run your own quotes across major carriers and start an application on your own. Rae & Co Capital is available if you want a second set of eyes, but no call is required to see rates.
How much life insurance do I need?
A common approach adds up debts including the mortgage, the income your family would need replaced for a set number of years, and goals for the children, then subtracts existing savings and coverage. The free needs calculator walks through this with no contact information required.
Is employer life insurance enough?
Most group plans through work provide one to two times salary and typically end when the job ends. Many families find that amount falls short of replacing income, clearing a mortgage, and covering children's needs, which is why individual coverage is often reviewed alongside it.
What happens after I apply online?
The carrier underwrites the application. For many healthy applicants that is a records check and no exam; others are asked for a short paramedical exam. Approval can take anywhere from a day to a few weeks depending on the carrier and your history. Nothing is in force until the carrier issues the policy and the first premium is paid.
Can I cancel if I change my mind?
Yes. South Carolina law gives you at least 10 days from the date a life insurance policy is delivered to return it for a full refund of premium, and 30 days for a policy sold by mail. After that, term coverage can be cancelled at any time by stopping premium payments; there is no surrender charge on term.
Rather not self-serve
Want the number checked before you buy?
Send what you already have and what you are trying to protect. I will tell you whether the coverage fits, including when the answer is that you do not need more.