Frequently Asked Questions.

Getting a quote is simple! Just fill out our online form on the Business or Personal insurance page, and one of our licensed agents will contact you within 1-2 business days with personalized quotes from multiple carriers.

Once you select your preferred coverage, most policies can be activated within 24-48 hours. Some specialized business policies may take 3-5 business days depending on the carrier and coverage type.

While our online process is streamlined, speaking with one of our licensed agents ensures you get the best coverage tailored to your specific needs. Our agents will reach out to you after you submit your information.

We offer comprehensive coverage for both business and personal needs. Business insurance includes General Liability, Workers Compensation, Commercial Property, Professional Liability, Commercial Auto, and Cyber Liability. Personal insurance includes Auto, Home, Life, Health, Motorcycle, and Renters insurance.

Yes! Bundling multiple policies often results in significant savings. Our agents will help you identify the best bundling opportunities across our carrier network to maximize your savings while ensuring comprehensive coverage.

You can contact your assigned agent anytime to make changes to your policy. Whether you need to add coverage, update information, or adjust your policy limits, we make the process quick and easy.

Rates are determined by multiple factors including coverage type, coverage limits, your location, claims history, and risk factors. We work with multiple carriers to compare rates and find you the best price for your specific situation.

No hidden fees! We believe in complete transparency. All costs will be clearly outlined in your quote, including premiums, deductibles, and any applicable fees. What you see is what you pay.

We offer flexible payment options including monthly, quarterly, semi-annual, and annual payments. Most carriers accept credit cards, debit cards, ACH transfers, and checks.

Contact your insurance carrier directly using the claims number on your policy documents, or reach out to your PlanLife agent who can guide you through the claims process and advocate on your behalf.

It depends on the type and severity of the claim. Not all claims result in rate increases. Your agent can explain how claims may affect your specific policy and help you make informed decisions.

We partner with leading carriers including Progressive, Geico, Hartford, Liberty Mutual, Safeco, Citizens, AmTrust, Berkshire, and Bristol West. This allows us to compare rates and find you the best coverage at the best price.

We combine personalized service with cutting-edge technology. Our licensed agents take the time to understand your unique needs, while our streamlined process makes getting coverage fast and easy. We shop multiple carriers for you, saving you time and money.

Yes! PlanLife and all our agents are fully licensed and regulated. We maintain all required state licenses and comply with all insurance regulations to protect you and your coverage.