Best Final Expense Quoting Software for Agents (2026 Comparison)
I've been selling final expense for over a decade. In that time I've tried just about every quoting tool on the market. Some of them I paid for happily. Some of them I dropped after a week. A few of them I genuinely wish I'd found sooner.
If you're an agent shopping for final expense quoting software right now, you're in a better position than I was five years ago. The options have gotten significantly better. But that also means there's more to sort through, and the wrong choice can cost you real money in missed cases and wasted time.
This is my honest take on the best final expense quoting tools available in 2026. I'm going to tell you what each one does well, where it falls short, what it costs, and who it's actually built for. No fluff, no affiliate links, just what I've learned from actually using these tools in the field.
What Actually Matters in FEX Quoting Software
Before we compare tools, let's talk about what separates a good final expense quoter from a bad one. After quoting thousands of cases, here's what I've learned matters most:
Carrier depth. Final expense is a niche market with dozens of carriers, each with unique underwriting guidelines. A tool that only quotes 15-20 carriers is going to miss opportunities. The best cases I've ever written came from carriers I wouldn't have known to check without a comprehensive quoter.
Underwriting intelligence. This is the big differentiator. Knowing the rate is only half the battle. You need to know whether a carrier will actually approve your client. A 72-year-old diabetic on insulin with COPD needs a tool that understands which carriers will take that combination as simplified issue versus guaranteed issue. The premium difference can be $30-40/month.
Speed. You're sitting with a client, or you're on the phone. Every second of loading time is a second of awkward silence. The tool needs to return results in under five seconds, ideally under three.
Multi-product support. Most FEX agents also sell term life and sometimes IUL. Running separate tools for each product type wastes time and money.
Accurate, current rates. Carriers update their rates regularly. If your tool is running on outdated data, you're quoting wrong and finding out at the worst possible time.
With that framework in mind, let's look at the top options.
1. Quotify
Pricing: $29.99/month. No contracts, cancel anytime. No free trial.
What it is: Quotify is a modern, web-based quoting platform built specifically for life insurance agents. It covers Final Expense, Term Life, and Indexed Universal Life from a single dashboard.
What it does well:
Where it falls short:
Best for: Agents who want a single platform for all their quoting needs, especially those who sell across multiple product types. The health underwriting intelligence is the standout feature. If you're working with clients who have complex health histories, this is where Quotify really shines.
Website: quotify.life
2. Compulife
Pricing: $220/year (~$18.33/month). Website quoter add-on is an additional $105/year. Agency license is $390/year. 2-month free trial for new subscribers.
What it is: Compulife has been in the life insurance quoting business since 1987. It's the industry veteran. The software provides rate comparisons across 100+ carriers for term life, return of premium, simplified issue, and guaranteed UL products.
What it does well:
Where it falls short:
Best for: Agents who primarily sell term life insurance and want a proven, affordable quoting tool. Also good for agencies that need API access or a website quoter widget. If you need deep final expense underwriting intelligence, you'll likely want to supplement Compulife with another tool.
Website: compulife.com
3. FEX Quotes
Pricing: $25/month for the Agent platform. Enhanced web plugin is an additional $10/month. White label starts at $599/year. 10-day free trial.
What it is: FEX Quotes (also known as FEXQuotes) is a dedicated final expense quoting tool. As the name suggests, it's built specifically for the FEX market. It's available as both a web tool and a mobile app.
What it does well:
Where it falls short:
Best for: Agents who sell exclusively final expense and want a dedicated, affordable quoter. The free trial makes it easy to test. If you're newer to FEX and still learning carrier guidelines, though, the lack of underwriting guidance means you'll need to build that knowledge separately.
Website: fexquotes.com
4. Best Plan Pro
Pricing: Free basic quoter available. Paid underwriting tool with additional features (contact for pricing).
What it is: Best Plan Pro positions itself as an underwriting tool for final expense agents. The core value proposition is helping agents find the right carrier for clients with health conditions. They offer a free basic quoter alongside their paid premium features.
What it does well:
Where it falls short:
Best for: New agents who want to start quoting FEX without any upfront cost. The free quoter is a great training tool. As you grow and handle more complex cases, you'll likely want to upgrade to their paid tool or move to a more comprehensive platform.
Website: bestplanpro.com
5. Quoteplicity
Pricing: Contact for pricing. Subscription-based. No publicly listed rates.
What it is: Quoteplicity is a white-labeled life insurance quoting platform designed primarily for agencies and IMOs. It offers quoting across 10+ product types from 40+ carriers, including term, final expense, universal life, and accidental death.
What it does well:
Where it falls short:
Best for: IMOs and agencies that want a branded quoting tool to deploy to their agent force. If you're an individual agent, the other tools on this list are likely a better fit.
Website: quoteplicity.com
How I'd Choose
Here's my honest breakdown of who should use what:
You're a solo FEX agent on a tight budget: Start with Best Plan Pro's free quoter. It's limited but it costs nothing, and you'll learn the basics of multi-carrier quoting. When you start closing enough cases that an extra 5 minutes per quote is costing you money, upgrade.
You sell only final expense and want the cheapest dedicated tool: FEX Quotes at $25/month is hard to beat on price for a dedicated FEX quoter. Just know that you're getting rates without underwriting guidance. You need to bring the product knowledge yourself.
You sell FEX plus term life or IUL: Quotify at $29.99/month gives you all three product types from one dashboard. You're paying $5/month more than FEX Quotes but getting multi-product coverage and integrated health underwriting. For agents who sell across product types, the math works out clearly.
You want the cheapest option and primarily sell term: Compulife at $220/year is the most affordable overall, with decades of reliability behind it. Just supplement it with a FEX-specific tool if final expense is a significant part of your book.
You run an agency or IMO: Quoteplicity's white-label approach makes sense if you need branded quoting for your agent force. Contact them for pricing.
The Bottom Line
There's no single "best" tool for everyone. The right choice depends on what products you sell, how complex your cases are, and what you're willing to spend.
What I will say is this: if you're still quoting by logging into individual carrier portals one at a time, you're leaving money on the table. Every tool on this list is better than the manual approach. The difference between closing 60% of your cases and 78% of your cases often comes down to whether you found the right carrier for each client's situation. A good quoting tool makes that possible.
I use Quotify for my own business. It's $29.99/month, handles all my product types, and the health underwriting feature alone has paid for itself hundreds of times over. But I've tried to be fair in this comparison. Every tool here has a place depending on your specific situation.
Whatever you choose, choose something. Your clients deserve the best rate, not just the best rate from the three carriers you happen to remember.