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Quil Reviews
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About Quil

Quil offers layoff, life and accidental death and dismemberment insurance. The monthly membership fee includes those benefits and financial wellness counseling. Quil is available in every state except New York, and there is a 90-day waiting period for layoff benefit eligibility. Quil is only available to W-2 employees who work 30+ hours per week.

Pros & Cons

Pros
  • Upfront pricing
  • Online cancellation
  • Live financial counselors
Cons
  • 90-day waiting period
  • May go unused

What is Quil?

Quil is a membership-based benefits program. It offers layoff insurance, life insurance, and accidental death and dismembership benefits for $9.99 to $29.99 per month, depending on the level of coverage you choose. You can join Quil if you are a W-2 employee who works 30 hours or more per week.

In addition to insurance benefits, Quil offers financial wellness counseling. This includes debt and credit counseling. It also provides housing counseling like foreclosure intervention, default counseling and helping you understand a lease agreement. Counseling services are provided by live humans on a one-on-one basis.

How does Quil work?

Quil is available for W-2 employees. It doesn’t offer memberships to freelancers, self-employed or gig workers. Membership starts at $9.99 per month, and you sign up via Quil’s website or app. When you sign up for a Quil membership, you gain access to up to $3,000 in layoff insurance, $1,000 in life insurance and up to $15,000 in accidental death and dismemberment benefits.

Layoff insurance is deposited directly into your bank account. Life insurance provides an immediate $1,000. The accidental death and dismemberment benefit helps if you’re seriously or fatally injured while on the job. Quil is not a loan, so applying for a Quil membership doesn’t affect your credit score, and the company doesn’t report anything to the credit bureaus. Membership cancellation is done through the mobile app.

Quil benefits

Quil offers layoff insurance, life insurance, accidental death and dismemberment insurance, and financial and physical wellness services. This includes:

  • Life insurance: Quil life insurance policies pay $1,000. You choose beneficiaries to receive the money. There is no required medical exam for coverage. Coverage is restricted to those between 18 and 62.
  • Layoff insurance: Layoff insurance pays up to $3,000. After 90 days of full-time employment and being a Quil member, you are eligible for Quil layoff insurance. This money is in addition to any state unemployment benefits. Funds can be used for anything, and you don’t pay them back.
  • Accidental death and dismemberment: In the event of serious injury or death on the job, accidental death and dismemberment insurance benefits kick in. Quil offers up to $15,000 in benefits.
  • Financial counseling: Quil financial advocates help with credit and debt counseling. Additionally, they can help with housing counseling for situations like foreclosure prevention, reverse mortgage counseling and understanding your lease. Financial counseling services are included in the Quil monthly membership price.
  • Additional benefits: Quil offers additional benefits such as prescription discounts, 24/7 access to a well-being advisor and other health and finance services. Quil members can save up 87% on medications at up to 67,000 pharmacies nationwide and access dozens of health and finance benefits, like telehealth, for $1 per week.

How much does Quil cost?

Quil's prices range from $9.99 to $29.99 per month. Membership cost includes layoff, life, and accidental death and dismembership benefits. It also includes financial counseling services, and prescription, medical and mental health benefits. You pay for a membership on a month-to-month basis, and you can cancel through the mobile app anytime. To avoid being charged for an additional month, you need to cancel your membership at least three days before the next payment date.

Quil FAQ

How long after I lose my job can I use Quil?

Quil layoff insurance benefits can be received quickly after a claim is filed. Quil’s Benefit Advocates can also help you navigate the state unemployment process. You are eligible for benefits if you’ve been a Quil member for 90 days or more.

Is Quil a loan?

No, Quil payouts are not a loan. You don't pay the layoff, life or accidental death and dismemberment benefits back.

What is Quil’s cancellation policy?

Quil memberships can be canceled through the mobile app or by emailing a customer service representative. Cancel within three days of your next scheduled monthly payment to avoid being charged for another month.

Is Quil worth it?

Quil benefits can offer financial stability in stressful situations like a job layoff or getting out of debt. Quil helps you get back on your feet while offering financial counseling services. Like with any insurance, there is a risk that you won’t cash in on benefits, so it makes sense to weigh the pros and cons of your situation. Quil memberships are monthly, and you can cancel at any time online.

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Quil Company Information

Company Name:
Quil
Website:
getquil.com