Frequently asked questions

No. You only need to provide gender, date of birth, your current health status, tobacco use, the benefit amount you want, and term length. Those six inputs generate rates from all carriers. We don't ask for name, location, phone, or medical details until you choose to apply.

Those are rates each carrier provides for your chosen health class. Your true premium emerges after underwriting, which may keep you in that class, upgrade it, or adjust it downward. This tool doesn't guarantee specific pricing or bind any insurance.

You'll enter your name, which populates the application that pulls from your selected quote. That application moves to the carriers' secure system. You can stop, come back anytime, and all signatures are digital. Susman Insurance Agency, licensed in California (License 0B75129), administers this.

It hinges on the carrier, your benefit amount, and your responses. Some carriers can approve immediately for eligible applicants; each quote specifies whether an exam is mandatory, conditional, or unnecessary.

Select a term that covers when dependents would be harmed if you were gone: mortgage balance, kids at home, business obligations. Longer terms mean higher monthly costs but lock your rate for more years. The tool lets you compare 10, 15, 20, 25, and 30-year periods.

No. The quoting process collects nothing identifiable, we do not buy or exchange personal data, and our traffic measurement has no cookies. Visit the privacy page to see everything we track and don't track.