# InsuranceQuoteWidget

> Embeddable insurance needs calculators that pre-qualify prospects and deliver warm, numbers-attached leads to US insurance agencies, in their CRM or HighLevel.

InsuranceQuoteWidget is US-focused software (en-US, USD). It is not an insurance agency, broker or producer, holds no insurance license and never quotes, sells or binds insurance; calculators produce estimates of coverage need or cost. Live insurance calculators: 10. Plans: Producer ($0/mo), Agency ($150/mo), Enterprise ($210/mo); insurance calculators are included from the Enterprise plan.

## Calculators by line

- [Life insurance](https://insurancequotewidget.com/lines/life/): Needs analysis that answers "how much life insurance do I need?" with the prospect's own numbers.
  - [Human life value](https://insurancequotewidget.com/calculators/human-life-value/): The visitor enters income, years until retirement, the share they spend on themselves, expected raises and a discount rate. You receive the present value of their future earnings — the upper-bound reference underwriters and planners use.
  - [Life insurance needs](https://insurancequotewidget.com/calculators/life-insurance/): Your visitor adds up income to replace, the mortgage, other debts, final expenses and an education fund, then subtracts what they already have. You receive the recommended coverage and every figure behind it.
- [Health insurance & HSAs](https://insurancequotewidget.com/lines/health/): Plan-cost, HSA and ACA subsidy math for open-enrollment shoppers.
  - [HSA contribution limit](https://insurancequotewidget.com/calculators/hsa-contribution/): The visitor picks self-only or family HDHP coverage, enters their age, what has already gone in this year and the months left. You receive their maximum, the remaining room and the monthly amount to reach it.
  - [HSA growth](https://insurancequotewidget.com/calculators/hsa-savings/): The visitor enters their current balance, their own and their employer's yearly contributions, years to grow and an expected return. You receive the projected HSA value and a clear picture of how they use the account today.
  - [HSA vs traditional plan](https://insurancequotewidget.com/calculators/hsa-vs-traditional-plan/): The visitor enters premiums and deductibles for both plans, the employer HSA deposit, expected medical costs, their own HSA contribution and their tax rate. You receive each plan's net cost and the one that came out lower for them.
- [Medicare-age planning](https://insurancequotewidget.com/lines/medicare/): Tools for clients approaching 65: IRMAA surcharges, the HSA cut-off, care costs and retirement income.
- [Disability & long-term care](https://insurancequotewidget.com/lines/income-protection/): Income protection and care-cost math for the risks people underestimate most.
  - [Disability income](https://insurancequotewidget.com/calculators/disability-insurance/): The visitor sets their monthly income, a replacement target, any group benefit, other household income and must-pay expenses. You receive the additional monthly benefit they would need and the shortfall against their bills.
  - [Long-term care cost](https://insurancequotewidget.com/calculators/long-term-care/): The visitor enters today's annual care cost, a care inflation rate, years until care, expected duration and the savings they have set aside. You receive the projected future cost and the funding gap in future dollars.
- [Annuities](https://insurancequotewidget.com/lines/annuities/): Fixed, immediate and variable annuity projections for retirement-income conversations.
  - [Fixed annuity growth](https://insurancequotewidget.com/calculators/fixed-annuity/): The visitor enters an initial premium, any monthly contribution, a guaranteed rate and years to grow. You receive the projected future value and, more importantly, the premium they are ready to place.
  - [Immediate annuity income](https://insurancequotewidget.com/calculators/immediate-annuity/): The visitor enters a lump-sum premium, an annual rate and a payout period. You receive the monthly income they modeled, the premium they have in hand and how long they want income to last.
  - [Variable annuity fees](https://insurancequotewidget.com/calculators/variable-annuity/): The visitor enters a premium, a gross sub-account return, annual fees, a surrender charge and a time horizon. You receive the projected account value, the surrender value and the growth lost to fees.

## Features

- [Pre-qualified leads](https://insurancequotewidget.com/features/pre-qualified-leads/): Every lead arrives with the inputs and results the visitor entered, so the first call starts at question five.
- [HighLevel & CRM sync](https://insurancequotewidget.com/features/highlevel-crm-sync/): Each lead is posted as JSON to a webhook you paste in: HighLevel, Zapier, Make or any HTTPS endpoint.
- [Embed anywhere](https://insurancequotewidget.com/features/embed-anywhere/): One div and one script puts a calculator on any agency website or HighLevel funnel, isolated from your site's styles.
- [Multi-calculator widgets](https://insurancequotewidget.com/features/multi-calculator-widgets/): Bundle several calculators into one embed: a floating launcher, tabs, popup buttons or a card grid.
- [Branding & themes](https://insurancequotewidget.com/features/branding-themes/): Themes, colour palettes, custom fonts, light and dark modes and custom CSS make every calculator look like your agency.
- [Built-in contacts](https://insurancequotewidget.com/features/agency-crm/): A de-duplicated contacts list with notes and statuses keeps every calculator lead and its numbers in one place.
- [Lead attribution](https://insurancequotewidget.com/features/lead-attribution/): UTM tags, ad click IDs, referrer, landing page and first-touch source travel with every calculator lead.
- [Spanish calculators](https://insurancequotewidget.com/features/spanish-calculators/): Every calculator runs in English and Spanish, and the visitor can switch language without losing their place.
- [White-label](https://insurancequotewidget.com/features/white-label/): Hide the badge, run the portal on your own domain and send lead emails through your own SMTP, under your brand.

## Solutions by agency type

- [Independent agencies](https://insurancequotewidget.com/solutions/independent-agencies/): Needs calculators for every line an independent agency writes, so website visitors arrive pre-qualified and cross-sell ready.
- [Captive agents](https://insurancequotewidget.com/solutions/captive-agents/): Carrier-neutral needs calculators that captive agents can add to an approved web presence, after checking their carrier's rules.
- [P&C agencies](https://insurancequotewidget.com/solutions/property-casualty-agencies/): Life and disability calculators to round out P&C accounts today, with home, auto, umbrella and flood calculators released line by line.
- [Life & health agents](https://insurancequotewidget.com/solutions/life-health-agents/): Life needs, human life value, disability, long-term care and HSA calculators that send L&H producers leads with the fact-find started.
- [Medicare & benefits brokers](https://insurancequotewidget.com/solutions/medicare-benefits-brokers/): Plan-neutral, educational calculators for clients turning 65 and for employee benefits, built to sit inside CMS-aware marketing.
- [Commercial lines agencies](https://insurancequotewidget.com/solutions/commercial-lines-agencies/): Calculators that help business owners size key person, buy-sell, business income and workers' comp exposure before the meeting.
- [Agency marketers](https://insurancequotewidget.com/solutions/agency-marketers/): For marketers who run websites and HighLevel for many insurance agencies: white-label calculators, seats, widgets and per-client routing.

## Key pages

- [Pricing](https://insurancequotewidget.com/pricing/)
- [How it works](https://insurancequotewidget.com/how-it-works/)
- [Integrations (HighLevel, webhooks)](https://insurancequotewidget.com/integrations/)
- [Compliance center](https://insurancequotewidget.com/compliance/)
- [FAQ](https://insurancequotewidget.com/faq/)
- [Glossary](https://insurancequotewidget.com/glossary/)
- [Security & privacy](https://insurancequotewidget.com/security/)
- [Insurance disclosures](https://insurancequotewidget.com/legal/insurance-disclosures/)
- [Lead consent (TCPA) guide](https://insurancequotewidget.com/legal/lead-consent/)

## Field guides

- [TCPA Consent on Insurance Lead Forms: 2026 Guide](https://insurancequotewidget.com/blog/tcpa-consent-insurance-lead-forms/): Where TCPA consent stands for insurance lead forms after the one-to-one rule was vacated, the 2025 revocation rules, and the revoke-all delay.
- [Pre-Qualifying Insurance Leads Before the First Call](https://insurancequotewidget.com/blog/pre-qualifying-insurance-leads/): A field guide for agencies: what to learn about need, budget, timing and fit before anyone dials, and how a needs calculator collects it for you.
- [Captive vs Independent Agent Websites: What Differs](https://insurancequotewidget.com/blog/captive-vs-independent-agent-websites/): How carrier web-presence rules shape captive agent sites, what independents control, and where needs calculators fit for each model.
- [Cross-Selling P&C Clients With Needs Calculators](https://insurancequotewidget.com/blog/cross-selling-with-needs-calculators/): Round out P&C accounts with life, disability and umbrella conversations by letting clients run their own numbers first. Triggers, sequences, checklist.
- [Annuity Calculators and Suitability: A Guide for Agents](https://insurancequotewidget.com/blog/annuity-calculators-suitability/): How fixed, immediate and variable annuity calculators fit with the NAIC best-interest model (#275) and FINRA rules, and what they never replace.
- [Send Calculator Leads Into HighLevel by Webhook](https://insurancequotewidget.com/blog/calculator-leads-into-highlevel/): Route insurance calculator leads into HighLevel: inbound webhook trigger, field mapping, tags, pipeline stages and a consent check before outreach.
- [DIME vs Human Life Value vs Income Multiples](https://insurancequotewidget.com/blog/life-insurance-needs-analysis-methods/): Three ways to size life insurance need, compared for agents: what each method assumes, where it misleads, and which calculator fits which buyer.
- [Medicare and ACA Season Calculators: Compliance Guide](https://insurancequotewidget.com/blog/medicare-aca-season-calculators-compliance/): Using calculators during AEP and open enrollment: key dates, TPMO disclaimer, scope-of-appointment timing, and the 2026 return of the 400% FPL limit.

## Español (es)

- [Calculadoras de seguros para agencias y agentes](https://insurancequotewidget.com/es/)
- [Precios de calculadoras de seguros: {{plan:free}} a {{plan:business}}](https://insurancequotewidget.com/es/pricing/)
- [Preguntas frecuentes: calculadoras, prospectos y planes](https://insurancequotewidget.com/es/faq/)
- [Seguro de vida](https://insurancequotewidget.com/es/lines/life/)
- [Seguro de salud y HSA](https://insurancequotewidget.com/es/lines/health/)
- [Planificación para la edad de Medicare](https://insurancequotewidget.com/es/lines/medicare/)
- [Incapacidad y cuidado a largo plazo](https://insurancequotewidget.com/es/lines/income-protection/)
- [Anualidades](https://insurancequotewidget.com/es/lines/annuities/)

## 简体中文 (zh-Hans)

- [保险计算器插件｜美国保险代理获客工具](https://insurancequotewidget.com/zh/)
- [保险计算器价格｜{{plan:free}}至{{plan:business}}](https://insurancequotewidget.com/zh/pricing/)
- [常见问题｜计算器、线索与计费](https://insurancequotewidget.com/zh/faq/)
- [人寿保险](https://insurancequotewidget.com/zh/lines/life/)
- [健康保险与 HSA](https://insurancequotewidget.com/zh/lines/health/)
- [Medicare 年龄段规划](https://insurancequotewidget.com/zh/lines/medicare/)
- [伤残与长期护理](https://insurancequotewidget.com/zh/lines/income-protection/)
- [年金](https://insurancequotewidget.com/zh/lines/annuities/)

## 한국어 (ko)

- [보험 계산기 위젯 | 에이전시용](https://insurancequotewidget.com/ko/)
- [계산기 요금제 {{plan:free}}~{{plan:business}}](https://insurancequotewidget.com/ko/pricing/)
- [자주 묻는 질문 | 보험 계산기 위젯](https://insurancequotewidget.com/ko/faq/)
- [생명보험](https://insurancequotewidget.com/ko/lines/life/)
- [건강보험 및 HSA](https://insurancequotewidget.com/ko/lines/health/)
- [Medicare 연령 대비 설계](https://insurancequotewidget.com/ko/lines/medicare/)
- [장애 소득 보장 및 장기 요양](https://insurancequotewidget.com/ko/lines/income-protection/)
- [연금](https://insurancequotewidget.com/ko/lines/annuities/)

## Tiếng Việt (vi)

- [Widget công cụ tính bảo hiểm cho đại lý & đại diện](https://insurancequotewidget.com/vi/)
- [Giá công cụ tính bảo hiểm: {{plan:free}}–{{plan:business}}](https://insurancequotewidget.com/vi/pricing/)
- [Câu hỏi thường gặp: công cụ tính, khách hàng và thanh toán](https://insurancequotewidget.com/vi/faq/)
- [Bảo hiểm nhân thọ](https://insurancequotewidget.com/vi/lines/life/)
- [Bảo hiểm sức khỏe & HSA](https://insurancequotewidget.com/vi/lines/health/)
- [Lập kế hoạch tuổi Medicare](https://insurancequotewidget.com/vi/lines/medicare/)
- [Mất khả năng lao động & chăm sóc dài hạn](https://insurancequotewidget.com/vi/lines/income-protection/)
- [Niên kim](https://insurancequotewidget.com/vi/lines/annuities/)

## العربية (ar)

- [حاسبات تأمين لمواقع الوكالات ووكلاء التأمين](https://insurancequotewidget.com/ar/)
- [أسعار حاسبات التأمين: من {{plan:free}} إلى {{plan:business}}](https://insurancequotewidget.com/ar/pricing/)
- [الأسئلة الشائعة: حاسبات التأمين والعملاء المحتملون والفوترة](https://insurancequotewidget.com/ar/faq/)
- [التأمين على الحياة](https://insurancequotewidget.com/ar/lines/life/)
- [التأمين الصحي وحسابات HSA](https://insurancequotewidget.com/ar/lines/health/)
- [التخطيط لسن Medicare](https://insurancequotewidget.com/ar/lines/medicare/)
- [العجز والرعاية طويلة الأجل](https://insurancequotewidget.com/ar/lines/income-protection/)
- [المعاشات السنوية](https://insurancequotewidget.com/ar/lines/annuities/)

## Optional

- [Full text for AI assistants](https://insurancequotewidget.com/llms-full.txt)
- [RSS](https://insurancequotewidget.com/rss.xml)
- [Sitemap](https://insurancequotewidget.com/sitemap.xml)