Frequently asked questions

No. The quote tool requests just six pieces of information: your gender, birth date, general health status, tobacco use, the coverage amount you want, and your preferred term length. These six answers are sufficient for carriers to provide rate quotes. Your name, address, and detailed health information are only gathered if you decide to proceed with an application.

These are the rates individual carriers quote for the health classification you selected. The carrier establishes your actual final premium through underwriting, which may verify, upgrade, or adjust your class. This website does not constitute an offer of insurance and makes no promise regarding any specific rate.

You provide your name, your chosen quote populates the application form, and you continue on the carriers' secure platform. You can pause and return later to complete it, and you sign electronically. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), handles all applications.

It depends on the carrier you select, the coverage amount you want, and the health information you provide. Many carriers now offer accelerated underwriting for eligible applicants, deciding without a paramedical exam; each quote specifies whether an exam is required, possibly required, or not required for that product.

A term should cover the years when your household would face financial hardship without your income: a mortgage, dependent children at home, business debt, or other obligations. Longer terms result in higher monthly premiums but lock your rate for more years. The quote tool lets you compare 10, 15, 20, 25, and 30-year options side by side.

No. The quote tool collects no personal information, we do not sell or share visitor data, and our analytics are completely cookieless. See the privacy page for the complete accounting of what information is collected and from whom.