Assessment
Which kind of policy fits what you are actually trying to do?
Fourteen short questions, about four minutes, and no email address to see your result. At the end you get two or three paths worth exploring rather than a single answer, because a questionnaire cannot know enough to give you one.
- About four minutes
- No email needed
- Two or three options, not one answer
What is the main thing you want this to do?
Almost every other question depends on this one. There is no single best policy — only one that fits the job.
13 to go
Your answers stay in your browser while you work through this. We do not ask for your name, email or phone number to show you a result, and nothing here is an application. You can close this page and pick it up later on this device.
Before you start
What this is, and what it is not
Both lists are the same length on purpose. A tool that only tells you what it can do is selling you something.
What it is
- A structured way to narrow six product types down to the two or three worth your attention.
- A list of the tradeoffs of each one, written the same size as the benefits.
- A set of questions you can take to us, or to any other agent, and judge the answers.
- A starting point for a conversation, which you can take away as a plain-text summary.
What it is not
- A recommendation. Nothing here has looked at your full financial picture.
- A quote or a price. Only a carrier can price a policy, and only after an application.
- An underwriting decision. The insurance company decides whether it will offer you coverage.
- A reason to change anything you already have. Keep paying your existing premiums.
Your answers stay in your browser. We do not send them to a server, we do not need your name to show you the result, and the summary you can email yourself contains the paths and the reasons behind them — never what you told us about your health or your age.
Important information
Educational information. The information on this page is general and educational. It is not insurance, tax or legal advice, and it is not a recommendation to buy, keep, change or cancel any policy. Your own situation may lead to a different conclusion. Please talk with a licensed professional before acting.
Product availability. Products, riders and features are offered by the issuing insurance company, not by Quantum Family Wealth. Availability, names, costs and terms vary by carrier and by state, and can change. Not every product described here is available to every applicant.
Underwriting and approval. Nothing on this site is an approval, a decline, a quote or an offer of coverage. Eligibility, your rate class and your final premium are determined by the insurance company after you submit a formal application and it completes its own underwriting review. Carrier rules differ and change over time.
Tax and legal information. Quantum Family Wealth does not provide tax or legal advice. Tax treatment depends on how a policy is structured, whether it stays in force, your individual circumstances and applicable law, all of which can change. Please consult your own qualified tax adviser and attorney.
Do not cancel existing coverage. Do not cancel, lapse or reduce coverage you already have based on anything you read here or on any estimate produced by these tools. Replacing coverage can have real costs and you may not qualify for new coverage. Talk to a licensed professional before changing an existing policy.