Frequently asked questions

No. To see quotes, the tool only needs your gender, birth date, general health status, tobacco use, desired coverage amount, and term length. Only if you move forward to apply do we request your name, address, and full health details.

These are what each carrier quotes for the health tier you selected. The actual premium gets set by the carrier's underwriting, which may confirm your class, improve it, or change it. Nothing on this website is an insurance offer or a rate guarantee.

You supply your name, then we build an application from the exact quote you chose, and it moves to the carriers' secure application platform. You're able to pause and return at any time, and all your signatures are electronic. Susman Insurance Agency, a licensed California agency (License 0B75129), oversees your application.

It varies based on the specific carrier, the coverage amount, and your health information. Carriers with Immediate coverage are able to make rapid decisions for qualified applicants; each quote indicates whether an exam is required, might be required, or is not required.

A term period should cover the years when your family would suffer financially from your absence: outstanding loans, children still at home, or business debts. More lengthy terms mean higher monthly cost but secure your rate for a longer span. Our quote tool lets you compare pricing for 10, 15, 20, 25, and 30-year periods side by side.

No. The quote tool doesn't gather your contact information, we don't buy or sell visitor information, and our measurement uses no cookies. Check our privacy page for a complete breakdown of what information we track and with whom we share it.