Frequently asked questions

No. Six pieces of information are required by the quote tool: gender, date of birth, general health status, tobacco use, desired coverage amount, and term length. Carriers can provide their rates based on these answers alone. Contact information and detailed health records are gathered only when you decide to submit an application.

These are quotations from carriers for the health classification you indicated. Your actual premium will be determined by the carrier following their underwriting process, which could leave the class unchanged, upgrade it, or place you in a different tier. This site does not constitute an insurance offer or guarantee any specific price.

After providing your name, an application based on your selected quote is generated and transferred to the carriers' secure application platform where it progresses. You retain the ability to pause and continue later, with electronic signing available. Susman Insurance Agency, a California-licensed firm (License 0B75129), manages the application.

This varies based on your selected carrier, coverage amount, and responses. Carriers offering Immediate coverage can provide decisions instantly for qualifying applicants; each quote indicates whether an exam is mandated, potentially needed, or unnecessary.

Your term selection should extend through the years when dependents would suffer financial hardship if you died: a mortgage, dependent children, or business debt. Higher monthly premiums accompany longer terms, though the rate remains stable throughout. Side-by-side comparisons of 10, 15, 20, 25, and 30-year options are available through the quote tool.

No. Contact information remains uncollected by the quote tool, visitor information is neither sold nor shared by us, and tracking operates without cookies. For a comprehensive breakdown of what data is gathered and who accesses it, visit the privacy page.