About

What this site is

Life & Health Quotes is an educational insurance and retirement resource. It offers free calculators and a short assessment that help you see which parts of your financial protection may deserve a closer look.

You can use every tool here without giving up your contact details. If you decide you want to talk to a licensed insurance professional, you can ask — but nothing on this site requires it.

What this site is not

• It is not a source of financial, tax, legal, or medical advice.
• It does not determine your eligibility for any insurance product or government program. Carriers and government programs do that.
• It is not connected with or endorsed by the U.S. government or the federal Medicare program.
• It does not display carrier premiums unless it is working from legitimate rate data. Where figures are illustrative, they say so.

How the tools work

Each calculator shows its inputs and the assumptions it used, so you can see how a number was reached and change anything that does not match your situation. The assessment applies published screening criteria — age, income, dependents, savings, existing coverage, and your stated concerns — to suggest where to look first.

Those criteria are educational screening rules only. They do not determine eligibility, underwriting, suitability, insurance availability, or tax treatment.

Who you would be speaking to

Tuncay Yalcin, Licensed life, Health, Medicare and Annuity Broker

Tuncay Yalcin is a licensed life, health, Medicare, and annuity professional and the founder of Nar Tree Life. He helps individuals, families, and business owners understand their insurance options and make confident, informed financial decisions. His approach is simple: explain coverage clearly, avoid pressure, and recommend solutions based on each client’s needs and goals.

Licence 20625972. You can verify any insurance licence with the department of insurance in the state that issued it.

Where we can help

Insurance is regulated state by state, so what is available to you depends on where you live. We can help in Arizona, Florida, Indiana, North Carolina, Ohio, Tennessee, Texas, Wisconsin.

If you are somewhere else, the calculators and the assessment still work and cost nothing — we simply may not be able to place a policy for you.

Contact

Questions about the tools or the information on this site can be sent through the contact page.