Frequently asked questions

No. The quote form requests only your gender, date of birth, health status, tobacco use, the coverage amount you want, and the term length you are considering. Those answers are enough for carriers to return their rates. Personal details like your name, phone number and address are only requested if you decide to proceed with an application.

They are the quotes provided by each carrier for the health class you indicated. Underwriting by the carrier may confirm your class, move you to a better one, or place you in a different class, which would change the final rate. Information on this site is for comparison and information only and is not a guaranteed offer of insurance.

You move into a secure application prefilled with the answers you entered here. The application is run on the carriers' platform and lets you pause and resume as needed. You sign electronically. Susman Insurance Agency, a licensed California agency (License 0B75129), handles the application process.

It varies by carrier, coverage amount, and your health profile. Some carriers today offer accelerated decisions for qualified applicants without requiring an exam; others may require one depending on your answers and the amount. Each quote on this site shows whether an exam is required, possibly needed, or not required.

A term length should align with the years you most need the protection: typically a mortgage payoff, children becoming independent, or a business obligation ending. Longer terms cost more monthly but lock your rate in for longer. The tool lets you compare 10, 15, 20, 25 and 30-year options to find your fit.

No. This tool does not collect any contact information to generate quotes, we never sell or share data about visitors, and we measure site use without cookies. Read the privacy page for the complete list of what information is collected and which services have access to it.