Frequently asked questions

No. To get carrier rates, the quote tool only requires six pieces of information: your gender, date of birth, self-assessed health status, tobacco use, the coverage amount you want and the term length. Your name, mailing address and detailed health information are collected only if you proceed to apply for coverage.

These are estimates based on the health class you specified during the quote. The final cost is determined by the carrier following their underwriting review, which may result in the same class, a better class, or a different class than estimated. This site does not guarantee any particular rate or price; quotes are provided for comparison only.

You provide your name, and the application is populated automatically with the answers you gave. The process then moves to the secure platform where you complete underwriting details and can sign electronically. You may pause the application and return to it later. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), processes all applications.

It depends on which carrier you select, the benefit amount requested and your health answers. Carriers offering immediate decisions can often approve healthy applicants without an exam; the quote tool indicates whether each specific quote requires an exam, may require one, or does not require one.

A longer term makes sense if your income or the financial support you provide is crucial for a longer period: paying a mortgage, supporting children through education, or building a business. Monthly costs are higher for longer terms, but the rate stays locked in. The quote tool lets you see what each term length costs from every carrier.

No. The quote tool collects no identifying information, we do not buy or sell visitor data, and our site measurement uses no cookies. Visit the privacy page for a complete accounting of what is collected and who can access it.