Frequently asked questions

No. Six pieces of information—gender, birthdate, health status, tobacco use, desired coverage amount, and term length—are all the quote tool needs to show you carrier rates. Contact information is only requested if you decide to apply.

The monthly amounts reflect what each carrier quotes for the health class you select. Underwriting can confirm, improve, or adjust your class after you apply, which may change your final premium. These figures are provided for information only and are not insurance offers or price guarantees.

You enter your name, and a secure application is created from your chosen quote. The application opens on the carriers' platform, where you can complete and sign it electronically. You may pause and resume at any point. Susman Insurance Agency, a California licensed agency (License 0B75129), handles your application.

That depends on the carrier, the coverage amount you want, and your health information. Many carriers now offer quick decisions for qualified applicants without an exam. Each quote indicates whether a medical exam is required, possibly required, or not required for that specific product.

A term length should match the years when your family would face real financial hardship if you were gone: a mortgage that needs to be paid, children who need support, a business obligation. Longer terms cost more monthly but fix your rate for a longer period. The quote tool shows 10, 15, 20, 25, and 30-year options side by side.

No. When you get quotes, we don't ask for your contact information. We do not buy, sell, or share visitor data with anyone. Our first-party analytics are cookieless and respect the Do Not Track signal; the site also leverages a cookieless measurement beacon from the content delivery provider that does not read Do Not Track but operates without cookies or personal identifiers. Full details are on our privacy page.