Protection is one click away.
Pick a coverage type and see your best matches. Compare prices, coverage, and plans side by side in under a minute.
✓ Always free, with no obligation. Your information stays private and is never sold or shared.
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Plans That Pay Out
Why Ozzo
We Do the Research. You Get the Best.
Outsmart the industry. Our experts did the research, so you get the best plans at the best prices, in minutes.
Save money.
We filter out the overpriced plans, so every plan you see is competitively priced.
100% online, 100% easy.
Quote, compare, and apply right from your phone. Get covered in 15 minutes.
Still here in 50+ years.
We only pick companies financially strong enough to be there when your family needs them.
Compare quotes side by side.
See your best matches in one place. Compare plans and prices, then pick the one you want.
Real human help.
Licensed agents are one click away if you have questions or need any help.
Lifetime support.
Policy questions, coverage changes, life updates. We're here for all of it.
How It Works
From Quote to Covered. In 15 Minutes.
We've already done the research. Three steps, all online, done in minutes.
Tell us about you
Quick questions about your age, health, and budget. Your top matches show up in seconds.
Pick your plan
Compare prices side by side. Every plan on the list passed our check, so you can pick on price and feel good about it.
You're done
Apply online in a few clicks. Or call a real person if you want help.
Coverage Types
Four Ways to Protect Your Family
Four types of life insurance, all pre-checked and ready to compare. Pick the kind that fits your family, then choose your best plan.
What matters most to you?
Term Life Insurance
Affordable, fixed-rate coverage for 10, 20, or 30 years.
Best for: Young families, mortgage protection, income replacement
Whole Life Insurance
Lifetime coverage that builds cash value you can borrow against.
Best for: Estate protection, wealth transfer, supplementing retirement
Final Expense Insurance
Covers funeral costs, medical bills, and debts. No medical exam required.
Best for: Seniors, covering final expenses, leaving a legacy
Indexed Universal Life (IUL)
Permanent coverage with cash value growth linked to the market, with built-in downside protection.
Best for: Wealth building, tax-advantaged growth, long-term financial flexibility
Our Research
Leave the Digging to Us.
Save hours of research and worry over whether you're overpaying or getting weak coverage. We evaluate every plan in the market, so you don't have to.
Client Stories
Real People. Real Savings.
I had no idea how much I was overpaying until Ozzo showed me options from five different carriers. Saved over $40 a month on a 20-year term.
Maria R.
Term Life, Miami
My agent walked me through every option without rushing me. Ended up with a whole life policy that fits my budget and builds value over time.
James T.
Whole Life, Orlando
No medical exam, approved in days. The team explained everything in Spanish, which made my mom feel comfortable the entire time.
Carmen L.
Final Expense, Hialeah
Common Questions
We've Got Answers
How much life insurance do I need?
⌄A common starting point is 10 to 15 times your annual income. The right amount depends on your debts, your family's expenses, and your long-term goals. We'll help you find it.
Does using Ozzo cost me extra?
⌄No. Our service is free to you. The carriers pay us, and your premiums are the same (or sometimes lower) than going directly to the insurance company.
Do I need a medical exam?
⌄Depends on the policy. Many term and IUL policies offer no-exam options. Final expense policies almost never require one.
What's the difference between term and whole life?
⌄Term covers you for a set period at a low fixed rate. Whole life covers you forever and builds cash value. Term is more affordable; whole life doubles as a savings tool. Many families use both.
How long does approval take?
⌄Some policies are approved in 24 hours with no exam. Traditional underwriting takes 2 to 4 weeks.
Is my personal information safe?
⌄Absolutely. We use industry-standard encryption and never sell your data. Your information is only used to get you accurate quotes.
How are Ozzo's carriers selected?
⌄We evaluate every carrier on pricing, financial strength, claims performance, customer experience, and reserve capital. Only the ones that pass all five criteria make it onto our platform.
Your Peace Is Waiting.
Compare your top plans, lock in your rate, and rest easier tonight.
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