PolicyChat.

About PolicyChat Life

Updated 2026-10-04

PolicyChat Life is a licensed life insurance agency. Our agents write the policy and stay your agent of record; Sage, our assistant, does the work up front so you see a price before anyone asks for your phone number. Our current licensing is listed on the licensing page.

What Sage does

Tell Sage what the policy should take care of: replace your income, pay off the house, cover a funeral, or check a policy you already have. Sage sizes the coverage from that, asks three plain health questions (tobacco, conditions, build), and estimates the rating class you would likely be placed in and the monthly range for it. It explains the answer in plain language, and when you are ready it hands you to one of our licensed agents or to an online application, whichever fits you better.

What we are not

  • We are not a carrier. The insurance company you apply to underwrites the policy and sets the final price.
  • Sage is not advice. It is an assistant that estimates and explains; a licensed agent takes up your application from there.
  • Every number Sage shows is an estimate until the carrier underwrites. A pre-qualification is not an approval.

Our promise

  • Price before contact. You see the estimate first. Nobody asks for your phone number to show it.
  • Never sold to a lead network. Your information stays with us and the carrier you apply to. We do not sell it to a list of callers.
  • Free-look on every policy. Once a policy is issued you have a free-look period, set by your state and the carrier and usually 10 to 30 days, to cancel for a full refund.

Carriers

We are appointed with carriers including Transamerica, Corebridge, and American Amicable, and we route healthy term applicants to instant-decision partners such as Ethos when that is the better fit. Which carrier fits you depends on your age, health, and state; Sage tells you which one it is pricing and why.

Contact

Email [email protected]. For how we handle your information, the terms of the site, and our licensing, see the privacy policy, the terms, and the licensing page.