Quote four carriers before the client hangs up.
Express Toolkit runs one guided interview and returns live, ranked quotes from Ethos TruStage, InstaBrain Fidelity Life, Transamerica, and Mutual of Omaha. Every product is express and instant-decision, so the answer comes on the call instead of from an underwriter weeks later. Made for inbound calls and policy reviews — the moments when the answer has to come while the client is still on the line.
Everything runs on express products
Every product in the toolkit is sold on an instant-decision e-app, so your client can typically have an answer during the same appointment. Final rates and decisions always come from the carrier.
Instant decisions only
Every quoted product is express issue across all five lines: whole life, final expense, term, IUL, and accidental death. The client knows their answer while you're still together.
Knockout engine
Carrier-verified health rules run against every product as you interview. You see exactly which products decline and why — before you waste an application.
Match or beat
Enter what the client pays now and the results split into products that beat that payment and backups that approve but cost more. Replacement conversations get simple.
Solve for premium
Flip one toggle and quote by budget instead of face amount. Slide to the client's monthly number and every carrier shows the coverage that money buys.
Client sheet builds itself
Client details, policy info, and beneficiaries fill in as you go. Download the PDF, import an old one, or text the client a summary in one tap. Everything runs in your browser — client data is never sent to or stored on our servers.
Always current, always improving
Premium estimates are built from carrier-published rate data and re-checked as carriers change their rates, down to age, gender, tobacco class, and state rules. Rate changes, new carrier rules, and new features roll into your account automatically — the toolkit you log into next month is better than the one you bought.
Pick your plan. Every plan has every feature.
The only difference between plans is seats. Cancel any time.
Individual
- All 4 carriers, all 18 express products
- Live quotes and knockout engine
- Match-or-beat and solve-for-premium
- Client sheet, PDF export, text summary
- Every future carrier and update included
Team
- Everything in Individual, for 5 agents
- $32 per seat instead of $40 — 20% off
- One invoice for the whole team
- Add seats as you recruit
- Every future carrier and update included
Agency
- Everything in Individual, for 20 agents
- $28 per seat instead of $40 — 30% off, the lowest rate
- One invoice for the whole agency
- Priority support for your office
- Every future carrier and update included
All plans include every feature of the toolkit. Seats are the only difference.
Prices in U.S. dollars and subject to change. Subscriptions renew automatically until canceled. All sales are final — no refunds. See Terms of service.
Where the toolkit earns its seat
The inbound call
A caller wants to know if she can do better than the $70 a month she pays now. Instead of promising a callback and spending your evening in four carrier portals, you run one interview and read the ranked answer off the screen while she's still on the line.
The policy review
Enter what the client pays today and the toolkit either surfaces products that beat the number or shows you the policy is worth keeping. Either way, the client watches the comparison happen on screen instead of taking your word for it.
The new agent
New agents burn leads quoting products their client was never going to qualify for. The guided interview runs the field underwriting for them and knocks out products that would decline — before the application, not after.
Questions agents ask us
What exactly is Express Toolkit?
What does "instant decision" mean?
Which products does it quote?
How accurate are the quotes?
Does it submit the application for me?
How do Team and Agency seats work?
What does annual billing save me?
How does the referral program work?
Can I cancel? Do you offer refunds?
Stop quoting one carrier at a time
Give every agent on your team the same four-carrier answer in one interview.
Terms of service
By creating an account or subscribing, you agree to these terms.
Read the full terms
1. What Express Toolkit is — and is not
Express Toolkit ("the Service") is a software tool that provides premium estimates and field-underwriting guidance for licensed insurance professionals. The Service is informational only. It is not an insurer, an insurance agency, a quote engine of any carrier, or an offer to sell insurance. Nothing displayed by the Service is an application, a rate guarantee, a binding quote, or legal, financial, tax, or insurance advice. The Service is intended solely for licensed insurance agents and brokers, not consumers.
2. No guarantees of any kind
All premiums, product parameters, underwriting outcomes, availability rules, and eligibility indications displayed by the Service are estimates based on information available to us at the time, and may be outdated, incomplete, or wrong. Carriers change rates, products, and underwriting rules at any time and without notice to us. Final premiums, eligibility, approvals, declines, and policy terms are determined solely by each carrier. You are responsible for verifying every figure and every eligibility indication directly with the carrier before relying on it, quoting it to a client, or submitting an application. We make no guarantee of accuracy, completeness, uptime, results, sales, approvals, or income.
3. Your responsibilities as a licensed professional
You represent that you hold the licenses and carrier appointments required for the products you quote and sell. You are solely responsible for compliance with all applicable laws and regulations, including state insurance advertising rules, replacement regulations, suitability and best-interest standards, and the terms of your carrier and IMO agreements, as well as for the accuracy of anything you communicate to a client. You are solely responsible for any client data you enter into the Service and for handling it in accordance with applicable privacy and insurance regulations.
4. Billing, cancellation, and refunds
Subscriptions are billed in advance, monthly or annually, and renew automatically until canceled. You may cancel at any time; cancellation stops future billing and your access continues through the end of the period already paid. ALL SALES ARE FINAL. We do not provide refunds, prorated refunds, or credits for any reason, including partial use, non-use, dissatisfaction, feature changes, or carrier changes. Prices may change; we will provide notice before a renewal at a changed price. Initiating a chargeback for validly billed charges is a breach of these terms and grounds for immediate account termination.
5. Promo codes
Promotional codes are limited to one per order, have no cash value, may not be combined with other codes, apply only where entered at checkout, and may be modified or withdrawn at any time. Codes do not apply retroactively to completed purchases.
6. Accounts, seats, and acceptable use
Each seat is for one named individual. Sharing logins, reselling or sublicensing access, and providing Service output to non-subscribers on a commercial basis are prohibited. You may not copy, scrape, frame, decompile, reverse engineer, or build a competing product from the Service or its data. We may suspend or terminate accounts that violate these terms, with no refund of amounts already paid.
7. Intellectual property and third-party trademarks
The Service, including its software, design, data compilations, and content, is owned by the operator of Express Toolkit, Imperial Group Services, LLC, and protected by intellectual-property law. Your subscription is a limited, revocable, non-transferable license to use it — not a transfer of ownership. Carrier names and product names appearing in the Service are trademarks of their respective owners, used solely to identify the products the Service can estimate. Express Toolkit and its operator are not affiliated with, endorsed by, or sponsored by any insurance carrier.
8. Disclaimer of warranties and limitation of liability
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING FROM OR RELATED TO THE SERVICE IS LIMITED TO THE AMOUNT YOU PAID FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE. IN NO EVENT ARE WE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST COMMISSIONS, LOST CLIENTS, CHARGEBACKS ON YOUR POLICIES, OR REGULATORY PENALTIES, EVEN IF ADVISED OF THE POSSIBILITY. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
9. Indemnification
You agree to defend, indemnify, and hold harmless the operator of Express Toolkit and its owners, employees, and contractors from any claim, loss, or expense (including reasonable attorneys' fees) arising from your use of the Service, your communications with clients, your violation of these terms, or your violation of any law, regulation, or third-party right.
10. Changes to the Service and these terms
We may add, change, or remove features, products, and carriers at any time; carrier and product availability is not guaranteed for any period. We may update these terms by posting a revised version; continued use after changes take effect is acceptance. If any provision is found unenforceable, the rest remain in effect. These terms are governed by the laws of the State of Georgia, without regard to conflict-of-law rules.
11. Privacy notice
We collect only what a subscription needs to run: your name, email address, and billing information. Payments are handled by our payment processor; we never see or store full card numbers. Client information you enter into the toolkit is processed entirely in your browser — it is never transmitted to or stored on our servers, and the Service does not collect Social Security numbers, driver's license numbers, or bank account information anywhere. We do not sell or share personal information with third parties for marketing. Questions about this notice can be sent through the contact form on this page. Agreeing at checkout accepts both these terms and this privacy notice. The full privacy policy is linked in the footer.
12. Referral program
Active subscribers receive a personal referral code. When a new subscriber applies a valid referral code at checkout, the new subscriber receives $40 off their first payment. After the new subscriber completes their first paid billing cycle, the referring subscriber receives a one-month credit (up to $40) applied automatically to an upcoming invoice. Referral credits are limited to twelve (12) per subscriber per calendar year, have no cash or surrender value, are not transferable, and are void for self-referrals, for referrals sharing a payment method with the referrer, or for any activity we reasonably determine to be fraudulent or abusive. A referral code counts as the order’s single promotional code and cannot be combined with any other code. We may modify, suspend, or end the referral program at any time; credits already earned will be honored.
Contact us
Questions about plans, seats, or the toolkit itself — we answer fast.
This opens your own email app with the message ready to send, addressed to info@expresstoolkit.app. Nothing is stored on this page.
One interview. Every quote. Same call.
You ask the questions you already ask. The toolkit does the carrier math while you talk. Screens below are illustrations — premiums vary by client and state.
Run the guided interview
Ten quick screens cover age, state, tobacco, build, and health history. Each answer takes one tap, and arrow keys work too.
Watch live quotes re-rank
Real premiums from all four carriers update after every answer. Products that beat the client's current payment rise to the top; anything that would decline is knocked out with the reason shown.
Pick the product and finish
Every card shows issue ages, face limits, and why it fits. Select one and the client sheet fills itself — download the PDF or text the client a clean summary.
What each carrier quotes in the toolkit
Eighteen express products. Every one is instant decision, and every plan includes all of them.
Mutual of Omaha
6 products- Living Promise — Level Final Expense WL
- Living Promise — Graded Final Expense WL
- Term Life Express 15/20/30 Term
- Term Life Express 10 Term
- IUL Express IUL
- Children's Whole Life (Juvenile) Whole Life
InstaBrain Fidelity Life
5 products- Final Expense Whole Life Final Expense WL
- InstaBrain Guaranteed Issue WL Guaranteed Issue
- InstaBrain Term with Living Benefits Term
- InstaBrain PureTerm 20/30 Term
- InstaBrain Accidental Death Accidental Death
Ethos TruStage
4 products- TruStage TAWL (Simplified WL) Whole Life
- TruStage Guaranteed Acceptance WL Guaranteed Issue
- Term Life — Choice / Prime Term
- Accumulation IUL IUL
Transamerica
3 products- FE Express Solution (Level) Final Expense WL
- Graded FE Express Final Expense WL
- FFIUL 2 Express IUL
Guaranteed-issue and graded products are built in as fallbacks, so tough-health clients still leave with coverage. More carriers are on the way. Product names identify what the toolkit quotes; availability varies by state, and each carrier sets its own rates and decisions.
More carriers are on the way — your plan covers every carrier we add.
Give a month. Get a month.
Know an agent who should be quoting four carriers at once? Send them your code. They start with a free month — and your next month is on us.
Grab your code
Enter your account email below and get your personal referral code. Text it, email it, or drop it in your agency chat.
They join with it
Your referral enters the code at checkout — it takes the place of a promo code. Their first month is free.
You both win
After their first paid month, a free month is credited to your subscription automatically. Refer 12 agents and quote free all year.
One referral credit per new subscriber. Your referral's free month applies to their first invoice; your free month is credited after their first paid month. A referral code counts as the order's one code and cannot stack with other promo codes. Credits cap at 12 months per calendar year, have no cash value, and are void for self-referrals or orders on the same payment method. The program may change or end at any time; see the Terms of service.