PinnacleQuote
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Trusted, Independent Life Insurance

Independent Life Insurance, Expertly Shopped Nationwide

We compare 20+ top-rated carriers, match your health and budget to the right company, and deliver pre-approved coverage options without call-center pressure.

Burial Insurance Quote Term Life Quote
Real reviews from real clients
★ Google 4.8/5 ★ Trustpilot 4.9/5 ★ BBB Accredited | A+ Rated
We shop you for the best option with these providers:
Protective Life Prudential Banner Life Aflac Mutual of Omaha Aetna SBLI Foresters Financial
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Our “CORE” Providers

Top-rated life insurance companies we trust with your family’s coverage.

Independent, nationwide access to leading carriers so we can match your health, budget, and goals to the right company instead of forcing you into just one option.

Note: We remain fully independent. These “CORE” providers are part of a larger lineup we use to find the most competitive fit for your health, age, and goals.
Burial & Final Expense

Lock in lifetime burial insurance today.

Fixed premiums, day-one coverage options, and help with funeral costs so your family is not left with the bill.

Get My Burial Quote
Term Life Insurance

Protect income, mortgage, and family goals.

Compare top-rated carriers for level term coverage designed to protect your loved ones during key earning years.

Get My Term Quote
Smart Shopper Advantage

Why Smart Shoppers Choose PinnacleQuote

See how PinnacleQuote stacks up against big call centers, single-carrier sales, and random online quote forms when it comes to real life insurance shopping.

✓ PinnacleQuote shops 20+ A-rated carriers for you before you ever apply.
What Really Matters Big Call Centers “Direct From One Carrier” PinnacleQuote Best Overall Value
Compares 20+ top carriers So you never overpay for the same coverage. ○ Limited panel – Only one option ✓ 20+ A-rated carriers
Specializes in burial, final expense, term & high-risk One expert shop for all your family’s needs. ○ Often one product focus – Carrier-limited ✓ Burial, term & high-risk experts
Non-pushy advice Conversations, not pressure sales. ○ High-volume scripts ○ Sales-driven ✓ Owner-led, zero pressure
Pre-approval shopping before you apply We shop underwriting first, so your application lands where you’re most likely to be approved. ○ Basic quotes only – Standard path ✓ True pre-approval shopping
Nationwide coverage ages 0–90 Solutions for children, adults, and seniors. ○ Some states excluded ○ Age & state limits ✓ All 50 states + DC
Real underwriting expertise for health conditions Diabetes, heart issues, cancer history — we match you to the right carrier. ○ General guidelines – One rulebook only ✓ High-risk underwriting pros
Hundreds of 5-star reviews & A+ ratings Built on trust, transparency, and long-term relationships. ○ Mixed online reviews ○ Carrier-only ratings ✓ Real clients, real 5-stars
Smart shoppers choose PinnacleQuote because we combine nationwide carrier access, underwriting expertise, and personal guidance to secure the right policy at the right price the first time.
No guessing. No games. Just transparent, pre-approved options tailored to your health, budget, and family.
Compare 20+ top carriers with one simple conversation.
Shop by What You Need

Shop by what you need, not what a call center wants to sell.

Choose the path that fits your situation and we’ll match you with the right company, underwriting, and price for your health and budget.

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Burial & Final Expense Insurance

Fixed rates · No medical exam options
Fixed rates, no medical exam options, and coverage designed to handle funeral, cremation, and final bills so loved ones aren’t left paying the balance.
Explore burial & cremation guides ➜
Best for: Funeral planning
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Term Life & Million-Dollar Coverage

Income & family protection
Income protection and large policies up to $100 million for families, entrepreneurs, and business owners who need serious coverage at the best value.
Compare term & large policies ➜
Best for: Families & business
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Seniors 60–90

Senior-friendly options
Options for seniors even with health issues or past declines. We focus on lifetime coverage and making sure your policy is there when your family needs it.
See senior life insurance options ➜
Best for: Ages 60–90
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Health Conditions & High-Risk Cases

Diabetes · Heart · Cancer · More
Diabetes, heart issues, cancer history, mental health, GI diseases, and more. Use this hub to reach specific guides like AFIB, Crohn’s, and other high-risk conditions.
Visit the high-risk conditions hub ➜
Best for: Past or current health issues
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Business & Key Person Coverage

Protect your company
Key person, buy-sell funding, executive benefits, and more. Protect your company’s cash flow and succession plan if an owner or key employee passes away.
Explore business life strategies ➜
Best for: Owners & partners
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Medicare & Retirement Protection

Light-touch retirement help
A light-touch path to Medicare supplements and annuity-based protection that support your retirement plan without distracting from your core life insurance needs.
View Medicare & retirement resources ➜
Best for: Retirement planning
Burial & Final Expense

Plan for funeral costs with guaranteed coverage.

Simple, permanent policies tailored for fixed incomes and seniors who want to leave love, not debt.

Get Burial Insurance Quote
Term Life Insurance

Cover income, debt, and family dreams.

Level term plans for 10–30 years, ideal for mortgages, young families, and income replacement strategies.

Get Term Life Quote
Real Clients, Real Protection

Real clients. Real protection. Real peace of mind.

Families across the country trust PinnacleQuote to find the right policy, at the right price, without games or pressure.

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Google Reviews
4.8 ★★★★★
Rated “Excellent” for service, clarity, and follow-through.
T
Trustpilot
4.9 ★★★★★
Based on hundreds of verified client reviews.
BBB
Better Business Bureau
A+ ★★★★★
A+ rating with a long-standing record of trust.
“Danny made everything simple and stress-free. I never felt pushed, only protected.”
DR Maria – Florida
Burial & final expense coverage
“PinnacleQuote shopped multiple companies and saved us thousands on our term policies.”
JM James – Texas
Term life for family protection
“I’d been declined before. They found a company that understood my health history.”
LS Linda – Ohio
High-risk, pre-existing conditions
“Everything was explained clearly in plain English. I knew exactly what I was getting.”
RB Robert – California
Senior coverage with no surprises
“As a business owner, I appreciated the honest advice, not just another sales pitch.”
KT Kelly – New York
Key person & business life insurance
“The online process was fast, and I still felt like I was working with a real person who cared about my family.”
DG Daniel – Georgia
Online quote with personal guidance
Every review is a real story. Families, seniors, and business owners who wanted straight answers and solid coverage.
See more client reviews ➜
The Life Insurance Experts Behind PinnacleQuote

The life insurance expert personally overseeing your coverage.

Daniel Ray, PinnacleQuote Founder
✓ 30+ Years Industry Experience
Daniel Ray
Founder & Lead Life Insurance Expert, PinnacleQuote

Every serious case runs through Daniel personally. From high-risk medical histories to large, complex policies, you’re working with an independent expert whose only job is to protect your family, not a quota.

  • ★ Personally involved in every case that requires advanced underwriting or second opinions.
  • ★ Specializing in high-risk cases other agencies decline — diabetes, heart issues, cancer history, and more.
  • ★ Nationwide, independent, family-run agency — not a call center, not tied to one company.

You’ll talk directly with the decision-maker who shops 20+ top-rated carriers and understands how each one underwrites your specific health profile.

Schedule a 15-minute call with Daniel ➜
Tools & Resources

Smart tools to plan costs, estimate quotes, and lock in the right rate class.

Use these tools to understand funeral costs, see a ballpark burial quote, and learn how our quick risk assessments (final expense & term) can save thousands over the life of your policy.

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Burial & Cremation Cost Calculator

Estimate today’s funeral costs
Quickly see a low, average, and high estimate for today’s burial and cremation costs based on national-style data.
Select a service type to see estimated costs.
These are planning estimates. Exact costs vary by provider, location, and choices like casket, service, and cemetery fees.
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Quick Burial Quote Estimator

$5,000 · $10,000 · $25,000 coverage
Choose your age (50–89), gender, and coverage amount to see an estimated monthly range before we shop the carriers for you.
Adjust your age, gender, and coverage amount to see an estimated monthly range.
These ranges are based on real-world rate patterns. Final approval depends on health, medications, state, and underwriting.
Complete my burial risk assessment ➜
  • 2–3 minutes to complete — no hard credit check.
  • We shop multiple final expense carriers for you.

The assessment helps us isolate the right rate class so you don’t overpay for the same coverage.

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Term & GUL Pre-Qualification

For income, mortgage & legacy
Use our Term & GUL risk assessment to see where carriers are likely to approve you and what rate class you’re targeting — before you apply.
  • Great for mortgage protection, income replacement, and business planning.
  • We match your health, build, and medications to the best underwriting guidelines.
  • Avoid declined applications and surprise rate increases.

Once we know your profile, we compare 20+ term and GUL carriers and show you the top 3 fits.

Start my term/GUL risk assessment ➜

Ready to speak with a life insurance expert?

Get straight answers, real pricing, and a plan tailored to your family’s needs.

Call Now: 855-380-3300 Schedule an Appointment Talk directly with an expert