Instant whole or term life insurance quotes. With the threat of the Covid-19 pandemic, many consumers are more interested in doing business from home. Sain's Insurance realizes this, and this is why we have set up everything to make it more convenient for you to shop for insurance coverage online. We have implemented measures for individuals to get a free instant quote as well as do a complete application for underwriting.....right from the website. Currently, Sain's Insurance offers instant quoting options in six states for life insurance (Georgia, Tennessee, Mississippi, Missouri, Texas, and South Carolina).