Frequently asked questions

No. To see carrier quotes, the tool only needs gender, birth date, health status, tobacco use, desired coverage amount, and term length. That's six pieces of information sufficient for getting rates. Personal details like your name and address are only requested if you decide to apply.

They represent what each carrier quotes for the health classification you indicated. Underwriting after your application may confirm that class, improve it, or adjust it. This site does not constitute an insurance offer or price guarantee.

After choosing a carrier, you proceed into the carriers' secure online application system prefilled with your responses. You're able to stop whenever you need to and come back later, then sign your name electronically. Susman Insurance Agency, a California-licensed agency (License 0B75129), manages your application.

This varies by the carrier you select, the coverage amount requested, and your specific health profile. Some carriers now provide accelerated underwriting paths that do not require a medical exam for qualified applicants. Each quote on this site indicates whether a medical exam is required, possibly required, or not required.

A term length should align with how long you'd be in financial trouble if your income were gone: a home loan, children still at home, business debt. Longer terms cost more per month but hold your rate steady for a longer period. You can use the quote tool to examine 10, 15, 20, 25 or 30 year options side by side.

No. This tool does not ask for contact information, our company does not sell or share visitor data, and all measurement is done without cookies. For a complete list of what information gets collected and which parties collect it, see our privacy page.