Frequently asked questions

No. To generate quotes, the tool only needs to know your gender, age, health status, tobacco use, the coverage amount and term length. Your name, address or medical details are not collected until you decide to apply.

These are rates each carrier calculated for your chosen health class. Your actual premium will depend on the carrier's underwriting review, which may move you into a different class. Nothing here is a price guarantee, insurance offer or approval promise.

Your name gets added to the application, which pulls in the quote details you already chose, then shifts to the carriers' secure platform. You're able to save your progress and come back later, and signing is done electronically. Susman Insurance Agency, a licensed California insurance firm (License 0B75129), processes the application.

It depends on the carrier's rules, your requested amount and your health details. Carriers offering immediate decisions can approve qualified applicants without an exam; each quote indicates whether an exam is expected, possible or not needed.

A term protects the years when your income is critical to your dependents: paying off a house, raising young children, covering business obligations. Longer terms lock your rate in for more years. Use the tool to see 10-, 15-, 20-, 25- and 30-year options side by side for any amount.

No. We don't collect names or contact info in the quote tool, we don't exchange or market visitor data, and our site counting uses no cookies. Review the privacy page for the complete picture of what gets recorded and who has access.