Frequently asked questions

No details like your name or contact information are required to view quotes. The quote tool needs just six data points: your gender, birth date, general health status, tobacco use, the coverage amount you want, and how long you want the term to last. Those answers are sufficient for carriers to provide their rates. Personal information including your name, address and detailed health history gets collected only if you proceed to apply.

The amounts displayed are what each carrier quotes for your selected health class. The carrier you choose will set the final premium amount after their underwriting process, which may confirm your health class, improve it, or adjust it. This site is not an offer of insurance coverage and does not guarantee any specific price.

When you select Apply, you enter your name and the application is built from the quote you selected. The application then moves to the secure platform operated by the carriers. You have the flexibility to pause and resume the application process at any time, and you will sign your documents electronically. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), manages the application process.

Whether you need an exam depends on your carrier choice, the benefit amount, and your specific answers. Some carriers offer immediate coverage determinations for qualified applicants and can make decisions right away; others may require or might possibly require an exam. Each quote shows what to expect regarding exam requirements for that particular carrier and product.

Coverage term selection depends on your situation. A term should span the years during which the loss of your income would create financial hardship: when you have a mortgage, children living at home, or business debt. Longer term lengths carry higher monthly costs but guarantee your rate for a longer time period. The quote tool makes it simple to compare 10, 15, 20, 25 and 30-year options side by side.

No. The quote tool does not request personal contact information. We do not buy, sell or share any personal information with outside parties, and we do not use advertising-based tracking. Our first-party analytics system is cookieless and respects Do Not Track settings; the site also uses a cookieless beacon supplied by the content delivery provider that does not read these signals but maintains privacy through no cookies and no stored personal identifiers. Visit our privacy page for a full accounting of what data is collected and who has access to it.