Frequently asked questions

No. Gender, date of birth, health status, tobacco use, the amount you want covered, and how long you want coverage. Six answers. That's all the quote engine needs. Name, address, and detailed health history only get collected if you decide to apply.

These are the rates quoted by carriers for the underwriting class you selected. Actual premiums are determined by the carrier's underwriting process, which may confirm, lower, or raise the class. All quotes on this site are estimates for information purposes; they do not constitute an offer of insurance or any guarantee of a specific premium amount.

You enter your name and the quote you picked becomes the application, pre-filled with everything you already told us. The process then moves to the carriers' secure platform. You can take a break and come back anytime before final signature. Everything is handled electronically through Susman Insurance Agency, a California-licensed insurance firm (License 0B75129).

Every carrier has different rules about medical exams, and it depends on how much coverage you want and what you tell us. Many carriers today can decide quickly for qualifying applicants without an exam. Each quote explains the exam requirement—whether it's required, might be required, or not required.

It depends on what you're protecting. A longer term locks in your rate for more years, but costs more monthly. A shorter term is cheaper month-to-month but requires a renewal decision sooner. The tool lets you see all options: 10, 15, 20, 25, and 30 years. Choose based on when your major obligations end.

No. The quote tool never asks for email, phone, or name. Visitor data is not sold or shared. Our measurement has no cookies or trackers. Read the privacy page to see exactly what gets collected and by whom.