Q-Cubed Insurance

You may already have coverage. Let's find out what it actually does.

A policy through work. One a parent took out years ago. Something you signed up for and haven't looked at since. Most people don't know what theirs pays, who it pays, or whether it's still in force.

I'm Quinae J. Ewing, a licensed life and health insurance producer in Illinois. Answer a few questions and I'll look at what you already have, who you're trying to protect, and the amount you have in mind — then tell you which options are realistic for someone in your situation. If what you've already got is doing the job, I'll tell you that instead.

Start here

About ten minutes of your time · No cost · No obligation · I don't ask for your Social Security number or date of birth

How this works

1

You tell me who's counting on you

About ten minutes of your time, on whatever device you're already using. Your age, your state, your health, who this is meant to protect, what you already have in place, and the amount you have in mind. Anything you'd rather go over later than type, leave blank.
2

I go through what you already have

You tell me the amount you have in mind and how you arrived at it. I take that, with your age, your health and the coverage you already hold, and check it against what insurers will realistically consider for someone in your situation. I'll also tell you what I notice about the coverage you've already got, because that's where most of the surprises are. Coverage through a job usually ends when the job does, and a policy from fifteen years ago may not pay what you remember.
3

We go through it together

You tell me how you prefer to hear from me — phone, text or email — and when, and that's how I'll get in touch. We'll talk through who you're protecting and whether the amount you picked still looks right to you. If you're already covered for what you need, I'll tell you that. Otherwise I'll show you more than one way to do it, at more than one price point, so there's something that fits the budget you already have rather than stretching it. You're choosing from options — not being sold to, and not handed just one.

What I won't do

I won't put you on a list, and I won't pass your information on to anyone.
I won't contact you over and over. You pick how you'd like to hear from me and when. If it isn't a fit, that's the end of it.
I won't tell you that you need coverage you don't need. A policy you didn't need, or can't keep paying for, is worse than no policy at all — the premiums are gone and you're left holding nothing. I would rather you were deliberately under-covered than sold something that lapses in a year.
I won't ask you to cancel anything you already have. If replacing an existing policy ever turns out to make sense, there's a formal process for it — and that process exists to protect you, not me. Nothing you own gets dropped before something new is issued and in your hands.

What this costs you

Nothing. There's no fee for any of this and no charge for engaging with me. If you decide to take out a policy, the insurance company pays me — your premium is exactly the same either way.

Most people are surprised by how far a small monthly amount goes, and by how much of what worries them about insurance turns out not to apply to them. Finding that out costs you nothing, and you can stop at any point.

Plenty of the coverage I work with doesn't require a medical exam. Some does. I'll tell you which is which before you apply, not after.

If somebody gave you my name

Most people who land on this page were sent by someone who knows me. If that's you, tell me who when we connect — I'd like to thank them.

Before you start

I don't ask for your Social Security number or your date of birth. I don't need either one to do any of this, and the questionnaire doesn't have a field for them.

The questions run entirely on your own mobile device or computer. Nothing is stored anywhere, and nothing gets sent until you send it — when you finish, it hands your answers back to you and you email them to me yourself.