// AI-RUN INSURANCE AUCTION
There are more than 700 life insurers in the U.S. Our AI bot takes your profile to the carriers and makes them bid to insure you — because they want your business. Answer a few questions and let the bidding begin.
your AI auctioneer
// READY TO OPEN THE FLOOR
// the mechanics
Our auctioneer asks a handful of quick questions — age, coverage, health basics. No medical exam, no paperwork to get started.
Our bot broadcasts your profile across the carrier market and the licensed agents in your state, surfacing whoever's positioned to offer you the strongest rate. Then we connect you with that one winning match — one agent, not a flood of calls. No obligation, opt out anytime.
The best-matched licensed agent — and only them — contacts you to confirm your real rate and finalize coverage. No call center, no swarm of cold calls, and you're never obligated to buy.
// the underwriting engine
No two insurers underwrite the same way. One waves through a heavier build that the next one surcharges; one issues to a well-managed diabetic in minutes while another declines. Our AI is trained on underwriting guidelines from across the carrier market — so it knows exactly which insurers will bid hardest for your specific profile, and routes you straight to them.
// the bot weighs 40+ underwriting factors against each carrier's filed guidelines in real time
// the leverage
When one company knows it's the only option, you take its number. When several know they're competing for the same applicant, the incentive flips — and that's the whole point of putting your profile up for bid.
// from across the country
"I figured my age would scare carriers off. Instead a few came back fighting over me and I locked in more coverage than I walked in expecting."
"As a smoker I'd basically given up on a decent rate. The bot found a carrier that barely blinked — night and day from what my old agent quoted."
"Did the whole thing on my phone during lunch. No exam, and an agent actually reached out the same afternoon. Painless."
"Type 2 diabetes got me declined twice elsewhere. BidOnMe matched me with a carrier that actually approves managed cases. Approved."
"I'm naturally skeptical of 'AI this, AI that.' But the rate that came back genuinely beat the two quotes I'd already gotten on my own."
"Simple, fast, no pressure. Nobody was trying to upsell me — I just got matched with the right carrier and made my own choice."