Frequently asked questions

Not at all. The quote engine only needs gender, birth date, general health status, tobacco use, desired coverage amount, and term length. Six simple answers provide the information carriers need to give you rates. Personal details like your name, address, and specific health history are requested only if you choose to apply for coverage.

What you see are the monthly rates each carrier has quoted for the underwriting class you indicated. The final premium may be confirmed, improved, or adjusted by the carrier after underwriting, which may change your assigned class. This site does not guarantee any price and is not an offer of insurance.

You will be asked for your name, then the application is built from the specific quote you selected. The application continues on the carriers' secure system, where you can pause and resume as needed, and sign electronically. Susman Insurance Agency, a licensed California agency (License 0B75129), manages the application process.

This depends on the carrier you choose, the coverage amount requested, and your answers. Some carriers have expedited underwriting paths that skip the exam for qualified applicants within their age and amount limits. Each quote indicates whether an exam is required, possibly required, or not required for that particular product.

The right term matches the period when dependents would face financial hardship from the loss of income: years of mortgage payments, children at home, business obligations. Longer coverage periods carry higher monthly costs but lock in the rate for more years. The tool lets you compare 10, 15, 20, 25, and 30-year terms to find what fits your situation.

No. The quote tool gathers no contact information, we do not sell or distribute visitor data, and our analytics system is completely cookieless. Visit the privacy page for details on what data is collected and who can access it.