Frequently asked questions

No. To receive quotes, the tool needs only six pieces of information: your gender, date of birth, how you would describe your general health, whether you use tobacco, the coverage amount you are considering, and the term length. That is sufficient for carriers to return their rates. Your name, address, and detailed health history remain private unless you decide to move forward with an application.

The prices you see are quotations from carriers based on the health class you indicated when you used the tool. The carrier's underwriting process follows, and during that review the final premium and health class may be confirmed as quoted, improved, or adjusted. Nothing displayed on this site constitutes an offer of insurance, nor does it guarantee any specific price or approval.

You will be asked for your name, and the application will be opened using the specific quote you selected. From that point forward, the application continues on a secure platform run by the carriers, not this site. You can pause and return at any time, and you sign your name electronically. The entire application process is handled by Susman Insurance Agency, a licensed California insurance agency (License 0B75129).

It depends on the carrier you choose, the coverage amount you apply for, and your health answers. Many carriers now offer accelerated underwriting for applicants who meet their guidelines, making a decision within days without a paramedical exam. Each quote listed here indicates whether an exam is required, may be required, or is not expected for that product.

A term length should match the period when your family or business would face financial hardship without you: the years of a mortgage payment, while children are in school and at home, or the duration of a business debt. Longer term lengths have higher monthly costs but lock in your rate for more years. The quote tool lets you easily compare the monthly price for 10-, 15-, 20-, 25-, and 30-year terms all at once.

No. The quote tool never collects your contact information, and we do not sell or share any data about our visitors. Our website measurement is cookieless and does not use third-party trackers. For a complete list of what is and is not collected, and who may have access to it, read the privacy page.