Business Details
30 Years
experience
Your Trusted Partner for Life Insurance Solutions
Founded in 1996, America Quote has established itself as a trusted life insurance brokerage guided by faith-based values. Our mission centers on providing honest, transparent guidance to help families secure financial protection tailored to their unique needs. With over 50 years of combined experience in the industry, our team prioritizes integrity over aggressive sales tactics, offering instant online quotes and comprehensive policy comparisons without hidden fees or confusing fine print. We serve clients nationwide through a customer-first approach that emphasizes education, personalized support, and long-term relationships. Our veteran-owned business operates with a commitment to Biblical principles, ensuring every client receives clear explanations of coverage options, underwriting processes, and policy benefits.By representing multiple carriers, we empower clients to make informed decisions about term life, whole life, universal life, and no-exam insurance solutions. Our expertise extends to addressing complex cases involving health conditions, senior coverage, and policy optimization for estate planning. Through our educational blog and direct client engagement, we aim to demystify life insurance while maintaining the highest standards of professionalism and ethical conduct.
Services
Term Life Insurance
Whole Life Insurance
No Exam Life Insurance
Universal Life Insurance
Underwriting Guidance
Details
- Year established: 1996
Highlights and features
- Veteran-owned business with 50+ years of combined insurance expertise
- Faith-based values ensuring transparent, ethical service practices
- Instant online quotes without mandatory agent consultation
- Represents multiple carriers for comprehensive policy comparisons
- Specializes in complex cases including health-related underwriting challenges
What people say
Incredibly knowledgeable
Best possible rates
Excellent experience
Regular followup
Efficient insurance agent
Services
Term Life Insurance
Term life insurance provides affordable, straightforward protection for a specific period. This solution suits income replacement, mortgage protection, and family financial security needs. Our policies offer customizable term lengths and transparent pricing structures.
Whole Life Insurance
Whole life insurance delivers lifelong coverage with cash value accumulation. These policies feature guaranteed premiums and dividends, creating long-term financial stability and legacy planning opportunities for policyholders.
No Exam Life Insurance
No exam life insurance enables quick policy acquisition without medical testing. Ideal for urgent coverage needs, this option provides simplified underwriting while maintaining competitive rates for qualified applicants.
Universal Life Insurance
Universal life insurance combines permanent coverage with adjustable premiums and cash value growth. This adaptable solution allows policyholders to modify coverage amounts and payment schedules as life circumstances change.
Underwriting Guidance
Our underwriting guidance helps clients navigate the policy approval process. We explain medical exams, health disclosures, and risk classification factors to optimize coverage options and premium rates.
People
David Frucella
Founder
With over 50 years in life insurance sales, David Frucella founded America Quote to provide honest, faith-based insurance guidance. Twice recognized among the top 1% of U.S. insurance professionals, he combines industry expertise with Biblical financial principles to serve clients nationwide.
Questions
What life insurance options do you offer?
We provide term life, whole life, universal life, and no-exam life insurance policies from multiple carriers to meet diverse coverage needs.
How quickly can I get coverage?
No-exam policies can be issued in as little as 24 hours, while traditional policies typically take 4-6 weeks depending on underwriting requirements.
Do you serve clients nationwide?
Yes, we assist clients across all 50 states with online policy comparisons and personalized insurance guidance.
How do you determine insurance rates?
Rates depend on age, health status, coverage amount, policy type, and underwriting classifications from insurance carriers.
Can I modify my policy later?
Universal life policies offer flexibility to adjust coverage amounts and premium payments as needed throughout the policy term.
