COMPULIFE review for insurance agents: pricing, carriers and features
COMPULIFE compares life insurance rates from many carriers for term, guaranteed UL, simplified issue and final expense. Agents use it in a browser, on Windows or as a quoter on their own website.
You buy it directly from Compulife with no upline or carrier tie. Mobile Quoter is $110 a year, and the full PC version for one agent is $225 a year.
- Best for
- Independent life agents and BGAs who want to own their quoter outright
- Lines
- Term, return-of-premium term and guaranteed UL. The PC version adds simplified issue and final expense
- Price
- From $110 a year for Mobile Quoter. PC software from $225 a year
- How you get it
- Buy directly. No upline or carrier contract needed
- Carriers
- Over 100 life companies
- Applications
- Carrier forms through the Forms Library. No eApp
- Website quoter
- Yes, from $220 a year with Mobile Quoter
- Free trial
- Two months plus the rest of the signup month, for first-time subscribers
Our take
COMPULIFE suits an independent life agent who wants a quoter that belongs to them, not to an upline. Mobile Quoter covers term and guaranteed UL in a browser, and the Windows PC version adds simplified issue, final expense, carrier forms and a health screen.
Prices are published and billed once a year, so you know the cost before you call. First-time buyers get two months plus the rest of the signup month free.
The main limit is that it stops at the quote. There's no eApp or e-signature, so you still fill out each carrier's application.
Pros
- Published yearly prices, starting at $110
- No upline or carrier contract needed to buy it
- The Windows version quotes without an internet connection
- Rates update monthly, with mid-month updates too
- Health Analyzer checks build, tobacco and health history against carrier rules
- A website quoter and an API for agencies that want their own
Cons
- No eApp or e-signature, so applications are on the carrier's forms
- No named CRM connection
- The carrier list doesn't show which products sell in which states
- Mobile Quoter leaves out simplified issue and final expense
- Reviewers find the screens dated
Plans and pricing
| Plan | Price | Billed | What it adds |
|---|---|---|---|
| Mobile QuoterQuoting in a browser on up to three devices | $110 | Yearly | Term, return-of-premium term and guaranteed UL |
| Website QuoterAgents who want quotes on their website | $220 | Yearly | Mobile Quoter plus a quoter for your website that emails you each lead |
| Individual Agent PCOne licensed agent and their assistantsAll agent lines for one agent | $225 | Yearly | Windows software with simplified issue, final expense, the Forms Library, Preferred Health Analyzer and Mobile Quoter |
| Agency/BGA PCSeveral agents at one office | $400 | Yearly | Five installs at one office, and the agent name on quotes can change |
| API Level 1 to 3Agencies building their own quoter | $490 to $1,540 | Yearly | 1,200 to 30,000 quote requests a month as JSON data, base license included |
| Internet Quote EngineEnterprises hosting the engine on their own server | $1,990 or $3,580 | Yearly | Runs on your Windows or Linux server. The higher price is for more than 60,000 quotes a month |
Prices as of October 2026, from compulife.com. API and Engine prices include the base license each one requires. Monthly billing isn't offered.
Good to know before you buy
- Extra Individual Agent licenses cost $210 a year each for 1 to 9 and drop to $69 at 60 or more.
- Agency/BGA adds seats in groups of five for $300 a year.
- The agent name on an Individual Agent license can't change without buying a new license.
- For the API or Engine, your own developer builds the screens. Compulife lists no development fee.
Website Quoter add-ons
| Add-on | Per year |
|---|---|
| Consumer ID (asks for contact details first) | $29 |
| Health Analyzer | $60 |
| Forms Library | $89 |
| Table Ratings with an Agency/BGA license | $48 |
| Table Ratings with an Individual Agent license | $96 |
Which plan has it
| Feature | Mobile Quoter | Website Quoter | Individual Agent PC | Agency/BGA PC |
|---|---|---|---|---|
| Term and return-of-premium term | ||||
| Guaranteed UL | ||||
| Simplified issue | ||||
| Final expense | ||||
| Who can use it | 3 devices | 3 devices | 1 agent | 5 installs |
| Quotes without internet | ||||
| Quoter on your website | Add-on | Add-on | ||
| Health screen (Health Analyzer) | Add-on | |||
| Forms Library | Add-on | |||
| Mobile Quoter included |
A Website Quoter can be added to either PC license for $110 a year.
Access and contracting
- How you get it
- Buy a license from Compulife
- Who pays
- You. The license is billed once a year
- What you need first
- Your own state license and carrier appointments
- If you leave your upline
- Nothing changes. The license isn't tied to any agency or carrier
Carriers, products and states
| Product | Type | Lines | Built for |
|---|---|---|---|
| Mobile Quoter | Agent quote engine | Term, return-of-premium term, guaranteed UL | Agents quoting from any device |
| PC Software | Agent quote engine | Adds simplified issue and final expense | Agents and agencies on Windows |
| Website Quoter | Website quoter | Term, return-of-premium term, guaranteed UL | Agency websites |
| COMPULIFE API | Quote API | Term, permanent and final expense, plus graded whole life | Agencies with a developer |
| Internet Quote Engine | Quote API | Term, permanent and final expense | Enterprises hosting their own quoter |
- Carriers
- 100+
- Carrier list
- compulife.com life company list
- States
- You enter the client's state with each quote
- State list
- No list of which products sell in which states
Compulife says it compares products from over 100 life insurance companies, as of October 2026. Its list names companies, not the products or states each one is quoted for.
Rates and underwriting
- Where rates come from
- Rate data the carriers supply
- How often they update
- Monthly, plus mid-month updates
- Fixing a wrong rate
- Tell Compulife. It says agents often spot product changes first
Underwriting tools
- Preferred Health Analyzer in the PC software
- Health Analyzer for Website Quoter
- Table Ratings for rated cases on Website Quoter
Health data it checks
- Tobacco use
- Height and weight
- Blood pressure and cholesterol
- Driving history
- Family history
- Substance use
A yellow question mark means Compulife doesn't have that carrier's rules for the answer you gave.
Quotes and proposals
| Result | What it means for you |
|---|---|
| Quote only | A premium for the product, rate class and face amount you entered |
| Rate comparison | Carriers side by side for the same client |
| Estimate | A starting point. The carrier's underwriting sets the final premium |
- What you can send the client
- A PDF or an email of the quote
Compulife's website terms disclaim any warranty on results, so check the rate class and premium with the carrier.
Applications and enrollment
- Where the application goes
- You pull the carrier's own forms from the Forms Library
- Carriers with eApp
- No eApp from the quote
- What carries over
- Nothing in the standard products. The API returns quote data your developer can pass on
- E-signature
- Not built in
Each carrier's forms need an online agreement with that carrier, and Compulife says not to use them without an appointment.
Website quoting and consent
Visitors to your site get real life quotes and a comparison, not just a request form. You choose which life companies appear.
- Ways to add it
- Website Quoter, the JSON API or the Internet Quote Engine
- Your branding
- The API and Engine let you control the whole look
- Where leads go
- An email address you pick. The API can pass them to your own CRM
- Consent record
- Consumer ID add-on asks for contact details before the quote
- From plan
- Website Quoter package, or an add-on to a PC license
Integrations
| Connects to | Type | How | Direction | What it does |
|---|---|---|---|---|
| Your website | Website | Website Quoter | Out | Life quotes on your site, with leads sent by email |
| A website or app you build | API | JSON API | Out | Quote results for your own screens |
| Your CRM or client database | CRM | API, built by you | Out | Quote and contact data your developer maps |
| Your web server | Website | Internet Quote Engine | Out | The whole engine runs on your Windows or Linux server |
Compulife names no CRM or agency system connection.
Getting started
Pick the product
Choose by lines and users: Mobile Quoter for term and GUL, PC for every line, Agency/BGA for an office.
Start your free months
First-time subscribers to Mobile, PC or Website Quoter get two months plus the rest of the signup month. The API and Engine aren't included.
Install
Compulife emails install steps after payment. The PC software checks for updates on its own.
Line up your carriers
Have your appointments in place and sign each carrier's agreement before using its forms.
Run your first quote
Enter the client's state, age, health answers and face amount, then compare.
Support is by phone at 800-798-3488 and by email, with tutorials on the website.
Mobile, users and security
Mobile
Mobile Quoter runs in the browser on phones, tablets, PCs and Macs. There's no app, and it needs internet. The Windows PC software quotes offline.
Users and security
- Individual Agent covers one agent plus trained staff
- Agency/BGA covers several agents within five installs at one office
- The API answers only one approved server address
- Engine buyers secure their own server
Contract and your data
- Term
- One year
- Renewal
- Compulife sends an invoice about 45 days before. You don't have to renew
- Canceling
- In writing, anytime
- Refunds
- No refund when you cancel
- Terms
- Individual Agent license
Terms read in October 2026. The terms have no export process for when you leave, so keep copies of client quotes yourself.
What users say
What reviewers say most often, as of October 2026.
What users like
- Many carriers compared at once
- Rates kept current
- Helpful support
- Fast and easy to use
- The Health Analyzer
What users dislike
- Dated screens
- Few ways to change how quotes look
- Some carriers or products missing or incomplete
COMPULIFE alternatives
- Ninja Quoter$19/moMonthly subscription with a final expense focus
- BackNine Quote & ApplyFree with contractingQuotes flow into an eApp, no software fee with contracting
- iPipeline LifePipeThrough your BGAUsually free through an upline, with carrier eApp links
- ZinniaFrom $525/user/yrTerm, permanent and annuity quoting from one vendor
- LifeBrain$7/user/moBudget-based term, final expense and GUL quotes, per user by the month
See every option in insurance quoting software.
Frequently asked questions
How much does COMPULIFE cost?
Mobile Quoter is $110 a year and the Individual Agent PC version is $225 a year. An office with up to five installs pays $400 a year for Agency/BGA PC.
Do I need an IMO or BGA to use COMPULIFE?
No. You buy the license yourself, and it doesn't depend on any upline or carrier.
Does COMPULIFE quote my carriers in my state?
It quotes over 100 life companies, and you enter the client's state with each quote. Check the carrier list for your companies, since it doesn't show products by state.
Can I submit an application from COMPULIFE?
No. The Forms Library gets you the carrier's application forms, but there's no eApp.
Can clients get quotes on my website?
Yes. Website Quoter is $220 a year with Mobile Quoter, and each lead comes to you by email.
Does COMPULIFE work offline?
The Windows PC version does. Mobile Quoter needs an internet connection.
How we researched this review. We based this review on the pricing, terms and product pages published by COMPULIFE, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan COMPULIFE quit selling or a contract term that reads different now, let us know and send the link to the page where COMPULIFE has it. Somebody here pulls up that page and checks it before we change anything on ours.