Create an account
Sign up as a consumer (find coverage), agency owner (list your agency), or get added as agency staff via an invitation. Email verification is required before quoting or messaging.
Help center
Search every page on WhyInsurance.me — what it is, who it's for, and how to use it.
Tip: try terms like "quote", "license", "audit", "masquerade", or a page name.
Getting started
Login & two-factor (2FA)
Standard email + password login. Optionally enroll a TOTP authenticator app for 2FA from Settings → Security; recovery codes are issued at enrollment for the case where you lose your device.
Public site
Everything reachable without signing in.
Homepage
Site overview with category strip, recent activity, recent agencies, and state strip — entry points into the rest of the site.
Browse insurance
Top-level taxonomy of insurance lines. Click any category to see its overview, key decisions, and cited sources.
Find agencies
Searchable directory of approved agencies. Filter by state and insurance line. Inclusion requires verified licensure.
Articles & guides
Plain-language guides. Each article passes an eight-stage compliance review (R1-R8). State-specific variants surface via ?state=XX where one exists.
Glossary
Plain-language definitions of insurance terminology. Each entry is reviewed before publication and includes citations.
Insurance FAQ
Common consumer insurance questions, filterable by category and state. (Different from this help center, which covers product features.)
Scam watch
Known insurance scam patterns, what to watch for, and reporting paths to state regulators and federal agencies.
Site search
Cross-content search across articles, glossary terms, and agencies. Signed-in users can save searches for one-click recall.
State pages
Per-state hub: state-specific articles, regulator links, and agencies licensed in that state. Reachable at /states/{XX}.
Trusted partners
Disclosed list of partner sites adjacent to consumer insurance needs. Outbound links carry rel="sponsored nofollow noopener".
Sitemap & llms.txt
XML sitemap for crawlers (/sitemap.xml) and an llmstxt.org-spec markdown file (/llms.txt) so LLMs can cite us with the right editorial context.
Consumer dashboard
What you can do once you sign in as a consumer.
Dashboard
Snapshot of your activity: open quotes, in-flight applications, unread messages, saved agencies, and recent comparisons.
Request a quote
Pick an insurance subcategory and state. The platform routes the request to agencies licensed for that line in that state and lets you see who responds.
Quote requests
List of every quote you've started. Drill in to see agency responses side-by-side and turn one into an application.
Applications
Track applications you've submitted toward binding a policy. Status updates from the agency surface here.
Saved agencies
Bookmark agencies you want to revisit. Saved agencies are private to you and easy to unsave from the same list.
Comparisons
Build a comparison set across multiple agencies for the same coverage. Useful before you commit to an application.
Messages
Threaded inbox for conversations with agencies. Unread badges in the sidebar; threads are auto-marked read when opened.
Notifications
In-app notifications for quote responses, application status, message replies, and account events.
Agency dashboard
Tools for licensed agency owners and their staff.
Onboard your agency
Step-through wizard: agency details → service areas → licensing → commission rate. Submits for admin approval; status surfaces in the agency dashboard.
Service areas + offerings
Declare which states and which insurance lines you serve. Determines which quote requests route to your inbox.
Licenses
Add a license per state you operate in. Each license is admin-verified before it counts toward discoverability in that state.
Staff
Invite team members to handle quotes, applications, and messages on the agency's behalf. Each invite is single-use and email-bound.
Quote requests inbox
Incoming consumer quote requests routed to your agency. Respond with rates, decline, or message the consumer for clarification.
Applications
Consumer applications submitted to your agency. Move through statuses (intake → underwriting → bound) — each transition is audit-logged.
Commission offers
Propose a commission rate per insurance line. Admins review and approve; once active, the rate at bind time governs the commission you owe the platform.
Admin dashboard
Operator-level tools — visible only to admin and super_admin roles.
Review queue
Single inbox of everything waiting on admin: agency approvals, license verifications, commission offers, content awaiting publication.
Content review
Articles and glossary terms moving through the R1-R8 compliance pipeline. Reviewer must be different from author (two-eyes).
Ingestion queue
Imported source material waiting to be promoted into draft articles. Promotion is manual — never auto-publication.
FAQ entries
Author and publish FAQ entries that surface on the public /help page, scoped by category and optional state.
Glossary admin
Author and review glossary entries. Same R1-R8 review path as articles before they go public.
Platform metrics
Operational counts: active agencies, in-flight quotes, conversion rates, content velocity.
Payouts
Batched commission payments. Drill into a batch to see the underlying commission events and the recipient agencies.
Commission reports
Aggregate commission earnings by agency, line of coverage, and date range.
Users + roles
Grant or revoke admin-tier roles. Super_admin grants require a second super_admin to approve (4-eyes).
Masquerade (impersonation)
From Users + roles, click Impersonate on a non-admin row to see the site as that user. A sticky banner appears across the whole site; click Stop to return. Both events are audit-logged. Cannot impersonate other admins.
Audit log
Every privileged write — role grants, approvals, content publication, masquerade — is logged with actor, subject, before/after JSON, and reason code.
Session audits
Authentication events: logins, logouts, 2FA challenges, password resets, with IP and user-agent metadata.
Delivery attempts
Outbound email + notification delivery log. Useful for diagnosing why a user didn't receive an expected message.
Compliance reviewer
Subset of admin tooling for two-eyes content review.
What you can do
Reviewers see the same Review queue, Content review, Ingestion queue, FAQs, and Glossary as admins, but no metrics, payouts, users, or audit surfaces.
Two-eyes principle
You cannot approve content you authored. The platform enforces a different reviewer. R1-R8 covers source citations, claim support, banned-language scans, and state-specific accuracy.
Account & safety
Profile settings
Update your name and email from Settings. Email changes require re-verification.
Password
Update from Settings → Security. Lost password? Use the Forgot password link on the login page to receive a one-time reset email.
Two-factor authentication
Enroll an authenticator app (Authy, 1Password, Google Authenticator) from Settings → Security. Recovery codes are issued at enrollment — store them somewhere safe.
Email verification
Required before quoting or messaging. If you didn't get the email, request a new one from the verification prompt or the Settings page.
How we make money
Agencies pay the platform a commission on policies sold through us. Consumers don't pay anything. Full disclosure on the Commission disclosure page.
Still stuck?
Email hello@whyinsurance.me — we aim to reply within two business days. For privacy questions write to privacy@whyinsurance.me; for legal write to legal@whyinsurance.me.