LifeBrain review for insurance agents: pricing, carriers and features
LifeBrain quotes term, GUL and final expense from a client's monthly budget. It compares classes, term lengths and face amounts in one run and keeps your quote history.
B1 costs $7 a user per month. Agents who submit through a qualified BGA get the full version with applications at no software fee.
- Best for
- Term and final expense agents who want cheap multi-carrier quoting by budget
- Lines
- Term, guaranteed universal life, final expense and simplified issue
- Price
- $7 a user per month, or free with a qualified BGA
- How you get it
- Subscribe yourself, or get it through a BGA such as Brokers Alliance
- Carriers
- 31
- Applications
- Only through a qualified BGA, which unlocks eApps and drop tickets
Our take
LifeBrain is one of the cheapest paid ways to get multi-carrier life quotes, and the budget quoter suits clients who shop by monthly payment.
Applications need a qualified BGA. On a paid plan alone you quote, then apply elsewhere.
Health screening is light, so pair it with carrier field guides.
Pros
- Low published price per user
- Budget quoter works back from a monthly amount
- Several classes and face amounts in one run
- Free full version through a qualified BGA
Cons
- No applications without a qualified BGA
- No prescription lookup or build charts
- No refunds, and exports cost extra
- Qualifying CRMs aren't named
Plans and pricing
| Plan | Monthly | Yearly | What it adds |
|---|---|---|---|
| B1Quoting only | $7 | $71 | Budget quoter, quote history and carrier and product comparison |
| B9For agents with a CRMAdds sharing and a CRM link | $10 | $102 | Everything in B1, plus emailing or texting quotes and a link to a qualifying CRM |
| Nootropic CompleteFree full version through a qualified BGA | No fee | No fee | Everything in B9, plus eApps, drop tickets, fillable forms and application status |
Prices are per user, as of October 2026, from lifebrain.io. Bulk pricing is by phone. A CRM connection or custom setup is billed separately.
What it would cost you
Monthly equivalent
First-year cost
Cost per quote
Uses the published per-user prices in the table above. Yearly billing is shown as a monthly amount. Agents who qualify for Nootropic Complete, LifeBrain's full version with applications, pay no software fee through their BGA.
Access and contracting
- How you get it
- Subscribe online in about a minute, or through a BGA
- Who pays
- You on B1 or B9. No software fee on Nootropic Complete
- What you need first
- Nothing for quoting. Applications need a qualified BGA and your appointments
- If you leave your upline
- No published rule for keeping access or quote history
Brokers Alliance includes LifeBrain with its agent contract. A BGA can limit the carriers you see.
Carriers, products and states
- Carriers
- 31
- Carrier list
- LifeBrain FAQ
- States
- Set by each carrier, your licenses and your BGA
The LifeBrain FAQ named 31 carriers in October 2026.
Rates and underwriting
- Where rates come from
- Carriers, rating agencies and data providers
- Fixing a wrong rate
- Contact LifeBrain support
Quoting tools
- Budget quoter that works back from a monthly amount
- Rate class tool
- Several classes, term lengths and face amounts in one run
- Product pros and cons in results
What it doesn't check
- Prescriptions
- Build charts
Quotes and proposals
| Result | What it means for you |
|---|---|
| Quote only | Premiums for the class, term and face amount you picked |
| Rate comparison | Carriers side by side with product details |
- What you can send the client
- An email or text, on B9 and up
A quote isn't a final class, approval or illustration.
Applications and enrollment
- Where the application goes
- Into your iPipeline account as an eApp or drop ticket, or a paper form
- What you need
- A qualified BGA
- E-signature
- Through the carrier's or iPipeline's app
Website quoting and consent
Brokers Alliance offers a consumer quoter built on LifeBrain. Ask your BGA how it's hosted and where leads go.
Integrations
| Connects to | Type | How | Direction | What it does |
|---|---|---|---|---|
| Qualifying CRMs | CRM | Integration | Both ways | Pulls in contacts and sends back quotes and quote history |
| iPipeline | eApp | Hand-off | Out | Sends quote data into your iPipeline account |
| MyAdvisorCloud | Login | Shared login | In | Use your MyAdvisorCloud login |
LifeBrain doesn't list which CRMs qualify. Ask before you pay for B9.
Getting started
Pick a plan
Start B1 or B9 online, or ask your BGA about Nootropic Complete.
Choose carriers
Turn on the carriers you're appointed with.
Quote by budget
Enter what the client can pay each month and compare face amounts.
Apply through your BGA
Send the case to iPipeline if your BGA qualifies.
Support is by contact form and phone. Video tours show the tools.
Mobile, users and security
Mobile
It works in a phone browser. There's no app.
Users and security
- Agency admins add agents and pick carriers
- Single sign-on through BGA portals
Contract and your data
- Term
- Monthly or yearly, paid in advance
- Canceling
- Written notice at least 30 days before the term ends
- Refunds
- None once paid
- Price increases
- Allowed once a year
- Late payment
- $35 fee plus up to 1.5% a month
- Your data when you leave
- Ask in writing for an export, for a fee. Data can be deleted after 30 days
- Terms
- LifeBrain terms
Terms read in October 2026. You own your data, and LifeBrain may use it in anonymous totals.
LifeBrain alternatives
- COMPULIFEFrom $110/yrTerm, GUL and final expense quoting on a yearly license
- iPipeline LifePipeThrough your BGATerm and GUL quoting into iGO, usually free through a BGA
- Insurance Toolkits$39.99/agent/moFinal expense and term quotes with health screening, monthly
- Ninja Quoter$19/moFinal expense and term quoting with a consumer quoter
- BackNine Quote & ApplyFree with contractingLife quote to eApp, free with BackNine contracting
See every option in insurance quoting software.
Frequently asked questions
How much does LifeBrain cost?
B1 is $7 a user per month and B9 is $10. Yearly billing costs a little less.
Can I submit applications from LifeBrain?
Only through a qualified BGA, which adds eApps and drop tickets to iPipeline.
How many carriers does LifeBrain quote?
Its FAQ names 31. A BGA can narrow that list.
How we researched this review. We based this review on the pricing, terms and product pages published by LifeBrain, 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 LifeBrain quit selling or a contract term that reads different now, let us know and send the link to the page where LifeBrain has it. Somebody here pulls up that page and checks it before we change anything on ours.