Frequently asked questions

No. The quote tool requires only your gender, date of birth, current health status, tobacco use, desired coverage amount, and preferred term length. These six pieces of information are all carriers need to provide you with rate quotes. Your name, address and full health history are requested only if you decide to apply.

The prices shown are rates quoted by each carrier based on the health classification you selected through your answers. Your actual premium is determined by the carrier after they complete their underwriting review, which may confirm, improve, or adjust your health classification. These quotes are not an insurance offer, and no price is guaranteed.

After you click Apply and enter your name, the application launches with the exact quote and coverage options you selected. You proceed on the carrier's secure platform where you can pause and return to complete your application later. Your electronic signature completes the application, which is processed by Susman Insurance Agency, a licensed California insurance agency (License 0B75129).

Whether a medical exam is required varies by carrier, coverage amount, and your health answers. Some carriers can provide immediate decisions for eligible applicants without an exam. Each quote displayed on this site indicates whether an exam is required, may be required, or is not required for that particular policy.

Choose a term that covers the years your family would face financial difficulty without your income: your mortgage years, while children are growing up, or the duration of business debt. Longer terms cost more each month but guarantee your rate for a longer period. The quote tool displays side-by-side comparisons of 10, 15, 20, 25 and 30 year terms.

No. The quote tool does not capture your contact information, and we do not sell or share any visitor data. Our analytics system operates without cookies or tracking. The privacy page lists exactly what information is collected and by whom.