Quil
Website unreachable since Oct 17, 2026
Quil is a subscription-based financial safety net that combines layoff insurance with life and AD&D coverage, plus access to human financial counselors. Members receive up to $3,500 in lump-sum layoff benefits on top of state unemployment, with no medical exams required. The membership also includes one-on-one counseling for debt, credit, and housing issues, alongside optional à la carte benefits like dental, vision, teletherapy, and telemedicine for about $1 per week.
- Insurance Technology
- Financial Technology
Funding
Founders
Founder details are not available yet.
Product
Problem
Traditional income protection options like private disability insurance are expensive, require medical underwriting, and fail to address the specific financial shock of job loss. Many workers have limited emergency savings, leaving them vulnerable when layoffs or unexpected life events occur, and they lack access to affordable, integrated financial guidance and support.
Solution
Quil provides a subscription-based financial safety net that combines layoff insurance with life and AD&D coverage, plus access to human financial counselors. Members receive up to $3,500 in lump-sum layoff benefits on top of state unemployment, with no medical exams or paperwork required for the life and AD&D component. The membership also includes one-on-one counseling for debt, credit, and housing issues, alongside optional à la carte benefits like dental, vision, teletherapy, and telemedicine for a nominal weekly fee. Quil emphasizes a no-surprises approach with transparent pricing, no information selling, and a focus on comprehensive, affordable protection for everyday financial risks.
Target Audience
Quil serves working individuals and families seeking affordable income protection and financial guidance, particularly those concerned about job security and without access to comprehensive employer-provided benefits.
Features
- Layoff insurance providing up to $3,500 in benefits on top of state unemployment payments
- Combined life and AD&D insurance up to $16,000 with no medical exams or paperwork
- 1-on-1 financial counseling with real humans for debt reduction, credit improvement, and housing services
- À la carte benefits including family dental, vision, teletherapy, and telemedicine for approximately $1 per week
- Membership pricing under $30 per month with a stated policy of never selling member information
- No medical underwriting required for insurance components, simplifying enrollment