Frequently asked questions

No. Six pieces of information are all we need: your gender, date of birth, health status, tobacco use, desired coverage amount, and term length. With just those six answers, you get carrier quotes. Personal data like your name, address, and health history are not collected unless you proceed to apply.

The prices shown are what carriers quote for the health classification you selected. After you submit an application, the carrier completes underwriting, which may confirm your class, improve it, or adjust it. These quotes are estimates only; they do not constitute an insurance offer or price guarantee.

Your name is collected, and an application is built from the exact quote you selected, then handed to the carriers' secure application portal. The process is interruptible—you can stop and come back later. Electronic signature completes the application. Susman Insurance Agency, a licensed California agency (License 0B75129), handles your application.

That depends on the carrier you choose, the coverage amount, and your health answers. Carriers now often offer immediate decision underwriting for qualified applicants, requiring no medical exam. Every quote in this tool specifies whether an exam is required, possibly required, or not needed.

Select the term that matches the financial obligation you want to cover: a mortgage being paid down, children being supported, a business loan maturing. Longer terms cost more each month but lock in your rate. The quote tool lets you easily compare 10, 15, 20, 25, and 30-year terms side by side.

No. The quote tool collects no personal contact information. We do not sell or share visitor data. Our analytics are cookieless and respect Do Not Track. The privacy page lists exactly what is collected and which parties collect it.