Frequently asked questions

No. The quote tool requires only six pieces of information: your gender, date of birth, general health status, tobacco use, desired coverage amount, and term length. Those six fields give the carriers enough to show you rates. Your personal information, address, and full health history are requested only if you decide to apply.

The quoted amounts reflect what each carrier would charge for the health class you selected. Your actual premium will be determined by the carrier during underwriting, at which point your class may be confirmed, upgraded, or changed. These are estimates provided for informational purposes and do not constitute an insurance offer or rate guarantee.

First you provide your name, then the application is built using the specific quote you selected. You'll then move to the carriers' secure application environment. The process can be paused and continued later; electronic signing is used for all documents. Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), processes your application.

That depends on your health history, the coverage amount, and your responses to the health questions. Many carriers now offer immediate decisions for qualified applicants through accelerated underwriting; others may require a medical exam. Each quote displayed on this site indicates whether an exam is needed, potentially needed, or not needed for that particular offer.

A term length should align with the years when you would most need to provide for your dependents: a mortgage, children's support, business obligations. Monthly premiums are lower for shorter terms but increase as the term extends. This site lets you see side-by-side quotes for 10, 15, 20, 25, and 30 year terms.

No. Your information submitted through the quote form is never sold or shared. We do not use advertising trackers, and our traffic measurement uses no cookies. Visit the privacy page to see the complete accounting of what data we collect and who collects it.