Built for the US market · prices in USD10 live calculators
English
Sign in
InsuranceQuoteWidget
Start free

By line of business

Life

Health

Medicare

Disability & LTC

Annuities

P&C

  • Condo Insurance (HO-6) Calculator In development
  • Insurance Deductible Break-Even Calculator In development
  • Flood Insurance Coverage Calculator In development
  • Homeowners Insurance Coverage Calculator In development
  • Renters Insurance Calculator In development
  • Umbrella Insurance Calculator In development

Auto

  • Auto Insurance Coverage Calculator In development

Business

  • Business Interruption Insurance Calculator In development
  • Buy-Sell Agreement Funding Calculator In development
  • Key Person Insurance Calculator In development
  • Workers' Compensation Premium Calculator In development

Specialty

  • Pet Insurance Value Calculator In development
  • Travel Insurance Cost Calculator In development

Compare

Needs calculator vs quote form: which should your site use?

A quote form asks for contact details up front. A needs calculator gives the visitor an answer first and asks afterwards. Neither is right for every page, and this comparison says where each one wins.

Start freeSee the calculators

A quote form collects contact details with little context; a needs calculator collects the prospect's own figures and an estimated coverage need before asking for contact details. Calculators suit considered purchases like life, disability, long-term care and annuities. Plain forms still win for urgent requests, existing clients and lines priced mainly by carrier rating.

—Plain quote formNeeds calculator
What the visitor getsA promise of a callbackAn estimate of their coverage need, straight away
What the lead containsName, phone, email, a product dropdownContact details plus every input and the result
Effort for the visitorLow: a few fieldsHigher: several minutes of their own numbers
Signal of intentThey want a priceThey thought through their situation and still asked to talk
First call starts withIntake questionsChecking the visitor's own estimate
Speed for urgent needsFastSlower, because the math comes first
AttributionWhatever your form tool capturesUTM tags, click IDs, referrer, landing page and first touch
Compliance riskWording like "free quote" can set price expectationsFramed as an estimate, with an editable disclaimer and consent

When a plain form is the better tool

  • Urgent requests, such as someone who needs proof of auto insurance today
  • Existing clients asking for a change, a certificate or a renewal review
  • Lines priced almost entirely by carrier rating, where a needs estimate adds little
  • Pages whose visitors already know exactly what they want and only need a call back
  • Mobile landing pages for short-attention ad traffic, where every extra field costs completions

Do calculator leads convert better than quote form leads?

We publish no conversion statistics, because we do not have verified ones. What changes is the lead's context: a calculator lead arrives with the visitor's inputs and result, so you can prioritize, prepare and open the call on substance. Test it yourself: run both on comparable pages and compare contact rate and close rate.

Expect fewer submissions from a calculator than from a one-line form on the same traffic, and expect them to be more informative. Whether that trade pays depends on your producers' time and your cost per lead.

Can I use a calculator and a quote form on the same site?

Yes, and many agencies should. Keep a short contact form for urgent requests and existing clients, and put a needs calculator on considered-purchase pages: life, disability, long-term care, annuities and HSAs. Tag both sources in your CRM so you can compare them over a few months.

A multi-calculator widget can sit beside your existing form, and the calculator's webhook can feed the same HighLevel pipeline your form already uses.

Is a needs calculator safer for compliance than a quote form?

Not automatically. A calculator framed as an estimate avoids promising a price, which helps. But consent for calls and texts, state licensing, Medicare marketing rules and advertising rules apply to both. Whatever captures the lead, your consent wording and follow-up practices decide most of your exposure.

See the compliance center for the topics to review with your counsel.

FAQ

Questions agencies ask

Answers first, details after.

Will a calculator reduce the number of leads I get?

It may, compared with a very short form, because it asks for more of the visitor's time. The leads that do arrive carry the visitor's figures and result. Measure both volume and close rate before deciding.

Can a calculator replace my quoting tool?

No. Our calculators estimate need or cost; they do not rate, quote or bind. If your process depends on showing premiums, keep your quoting tool and use the calculator earlier in the journey.

Which lines benefit most from a needs calculator?

Considered purchases where the right amount is not obvious: life insurance, disability income, long-term care, annuities and HSA decisions. For property & casualty, coverage-need calculators are built and awaiting release.

Should I gate the calculator result behind the form?

We designed it not to be gated: results update as the visitor types, and the form is for people who want to talk. Hiding the answer until someone gives a phone number turns the calculator back into a quote form.

Is "Get a free quote" a problem on my site?

It is your licensed decision how to label your own forms. For our calculators we avoid the word quote because they produce estimates, and using it there could set expectations underwriting may not meet.

Do calculator leads need different follow-up?

Yes. Read the inputs first and open on the result: "You estimated a gap of about this much; shall we check the assumptions?" Repeating the intake questions wastes the work the visitor already did.

How do I run a fair test between the two?

Use comparable pages and traffic, tag each source in your CRM, and track contact rate, appointment rate and close rate over the same period. Calculator leads carry UTM tags and click IDs, which makes the split cleaner.

What if my visitors are mostly on mobile?

The calculators work on mobile, but a multi-field calculation is still more effort on a phone. For short ad-driven mobile pages, a short form can be the better tool; for organic research traffic, a calculator often fits.

InsuranceQuoteWidget

Run the test on your own traffic

Put a calculator beside your current form for a few months and compare. Try Enterprise free for 14 days.

Start freeCompare plans

Free Producer plan · 14-day trial on paid plans · cancel any time

Start freePricing