Frequently asked questions

No. The quote tool requires only six pieces of information: your gender, date of birth, general health status, tobacco use, the coverage amount you want, and the term length. That is enough to show you rates from the carriers. Your name, address, and detailed health history are requested only if you proceed with an application.

The rates shown reflect what each carrier quotes for the health class you selected in the tool. Underwriting by the carrier can confirm, improve, or adjust your health classification, which changes the final premium. These quotes are estimates for comparison only and are not an offer of insurance or a guarantee of price.

You enter your name and select the carrier and quote you want. The application is created pre-filled with the answers you provided in the quote tool, and you continue on the secure platform run by the carrier. You can pause and return later, and you sign all documents electronically. The whole process is managed by Susman Insurance Agency, a licensed California insurance agency (License 0B75129).

It depends on the carrier, the amount of coverage, and your answers to the health questions. Many carriers today offer accelerated underwriting for eligible applicants, meaning they can decide without requiring a medical exam. The quote tool shows for each product whether an exam is required, possibly required, or not required.

A term length should match the years when someone depending on your income would be most vulnerable: a mortgage you are paying, children at home, or a business loan. Longer terms lock in your rate for more years and cost more each month, but they provide certainty. The quote tool lets you compare 10, 15, 20, 25 and 30 year options side by side for each carrier.

No. The quote tool does not collect contact information, we do not sell or share visitor data, and our analytics system is cookieless and respects Do Not Track signals. Visit the privacy page for the full accounting of what is collected and how it is used.