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The Life Insurance Help Desk Difference

Hi, I'm Jim Tobin the founder and lead agent for the Life Insurance Help Desk. This site is meant to be a full service resource for people shopping for life insurance. You are able to research most issues, simply contact us and ask a question, receive instant quotes and submit an application.

independent We are aware that you have many choices when shopping for life insurance, and we think that you will do well to use the services of an independent agency  like the Life Insurance Help Desk. This is particularly true if you have a pre-existing health condition.

So Called "captive" agents that work for only one carrier are limited in the help they can provide. With only one choice, your application will be submitted to that company whether it's a good fit or not. Independent agents have the ability to send your file to the carrier that sees your unique situation in the best possible light.  This better option will be reflected in better pricing  and better terms for you.

Jim Tobin

Certified Financial Planner

Contrary to the what advertising may lead you to believe, going "direct to the carrier" will not lower the cost of your life insurance.

Life insurance rates are approved by the Department of Insurance at the state level.

Eliminating the agent from the buying process increases profits for the carrier, but does not provide the consumer any savings.​

Get the Life Insurance Buying Guide and get the best deal available.


 People are saying....

Jim Tobin and the Life Insurance Help Desk saved me almost $100 a month by switching my 20 year term life insurance policy from one of the mutual companies that advertises on television all the time. The previous carrier had rated my health lower than the nationally known company that Jim submitted my application to, and to my pleasant surprise, he was right.  I couldn't be  happier with the service received or the final result.



This site provides term life insurance quotes. Each rate shown is a quote based on information provided by the carrier. By requesting a quote, you agree to the Life Insurance Help Desk Privacy Policy. By submitting your personal information, you are making a consumer inquiry for life insurance by licensed insurance agents. You consent and expect to be contacted by a licensed agent via phone, email, text, or direct mail. Life Insurance Help Desk will not sell your information to a third party. Any health or personal information shared is protected by applicable HIPAA privacy laws and regulations.

Invitation for application for life insurance on are made through its designated agent, James Tobin, only where licensed and appointed. James Tobin is a licensed life insurance agent in multiple states. CT . Lic. #2359235. Additional licenses are available upon request.

Commercial use by others is prohibited by law. No portion of may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization from the owner.

Life insurance policies described, quoted, shown, and illustrated throughout this website are not available in all states and may include those issued by: American General Life; Banner Life Insurance Company, Urbana, MD, and William Penn Life Insurance Company, Garden City, NY, both Legal & General America companies; United of Omaha Life Insurance Company, Omaha, NE, a Mutual of Omaha affiliate company; Fidelity Life Association, A Legal Reserve Life Insurance Company, Oak Brook, IL; Genworth Life and Annuity Insurance Company, Lynchburg, VA and Genworth Life Insurance Company of New York, New York, NY, member companies of Genworth Financial, Inc.; Lincoln Life & Annuity Insurance Company of New York, Syracuse, NY and The Lincoln National Life Insurance Company, Fort Wayne, IN, both insurance company affiliates of Lincoln National Corporation, whose marketing name is Lincoln Financial Group; First MetLife Investors Insurance Company, New York, NY, MetLife Investors USA Insurance Company, Irvine, CA and Metropolitan Life Insurance Company, New York, NY, all three members of the MetLife family; Protective Life and Annuity, Birmingham, AL; Pruco Life Insurance Company, Newark, NJ and Pruco Life Insurance Company of New Jersey, Newark, NJ, member companies of Prudential Financial, Inc., Newark, NJ; VOYA Life Insurance Company, Minneapolis, MN, VOYA Life Insurance Company of New York, Woodbury, NY and Security Life of Denver Insurance Company, Denver, CO, member of the ING family of companies; Transamerica Financial Life Insurance Company, Harrison, NY, and Transamerica Life Insurance Company, Cedar Rapids, IA, both AEGON companies.

Rates and time taken to qualify and purchase a life insurance policy vary by product and underwriting requirements.

Copyright text 2017 by Life Insurance Help desk.