Disclosures

Last updated: 18 September 2026.

Who operates this site

TopQuotesHero is operated by Four Nine Nine Ltd, 3rd Floor, 86-90 Paul Street, London EC2A 4NE, United Kingdom. TopQuotesHero is not an insurance carrier or agency and does not sell policies.

How we are paid

Four Nine Nine Ltd shares your quote request with its licensed insurance agent clients and their marketing partners and is compensated by them. The premium is set by the carrier. Our compensation comes from the agent or partner, not from you, and may affect which agents receive your request.

Independent licensed agents

The agents and partner providers that receive your request are independent businesses licensed in the states where they operate; they are not employees or agents of Four Nine Nine Ltd, and the quote, premium, underwriting decision and policy come from them and the carrier. Rates, products and availability vary by state and by carrier, and no quote is a guarantee of coverage.

Free quote, not a free policy

The quote is free; the policy is not. Any premium is set by the carrier. We do not guarantee coverage, availability or a rate.

Final expense is life insurance

Final expense policies are small whole life or simplified-issue life insurance policies sold by licensed agents; they are not a government benefit and are not connected with Medicare, Social Security or any government program.

Health coverage

TopQuotesHero is a privately owned website and is not affiliated with or endorsed by the U.S. government, the Health Insurance Marketplace or HealthCare.gov. You can compare plans and enroll for free at HealthCare.gov.

Calls

Calls to the numbers on this site may be recorded and monitored. The licensed agent who takes your call is not an employee of Four Nine Nine Ltd.

Contact

Email: contact@499group.com.