A human approach to buying insurance.

We're an independent insurance broker, so we get paid a commission by insurance companies for each sale. Insurance commissions are already built into the price of an insurance policy, so you're not paying any extra for working with us to buy a policy. Our compensation on any particular purchase may vary depending on a number of factors, including the type and size of product, the insurer, and the volume of business we have with an insurer, but we don't push for or give preference to any one insurer over another because of the commission. We're here to fight for you, not for ourselves. (Want to know what commission we'd earn on a specific insurance policy you see in our marketplace? Just ask!)

Yes! All insurance brokers are required by law to be licensed in each state they do business. You can find our licenses here.

No. We're an independent insurance broker, which means that we're not owned by an insurance company, nor do we own one. Instead, we sell insurance policies from multiple insurers without bias or favor toward any of them. It's important to us that we help you find the right insurance policy for your needs — not which company you buy it from.

Insurance rates are regulated by law, which means that no company, broker, or agent can offer you a discount on a policy. That doesn't mean you can't find ways to save money, though! Each insurer calculates risk differently, and they all strive to offer policies at competitive prices. That's why Bob Lancaster Insurance helps you compare quotes from multiple companies in one place: to make it easy to spot potential savings.

Bob Lancaster Insurance helps users shop for life, disability, home, and auto insurance from multiple carriers. Comprehensive coverage availability may vary based on your location, profile, and insurance needs.

No, there's no added fee to compare quotes or work with us. The platform is paid through commissions from insurance companies, which are already built into policy pricing.

Yes. Our licensed agents are available to answer questions, explain policy details, and help you compare options throughout the process. Our focus is on providing real human support, not chatbot-only service.