Frequently asked questions

You don't need to provide identifying information or contact details to see carrier quotes. The tool requires just six pieces of information: gender, birth date, your health status in plain language, tobacco use, desired coverage amount, and term length. Only if you decide to apply does the system collect your name, address, and detailed health information.

The prices shown reflect what each carrier would charge for the health class you indicated during quoting. A carrier's underwriting process—which happens when you apply—may confirm that class, move you to a better one if your health supports it, or place you in a different class. These quotes are estimates for comparison purposes only; they are not insurance offers or guarantees of your final rate.

Selecting a quote takes you to a secure application that is prefilled with your answers from the quote tool. You enter your name and continue on the carriers' encrypted platform. The process allows you to pause and come back later; when you're ready to complete it, you sign your application electronically. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), manages the entire process.

Whether you'll need an exam depends on the specific carrier you choose, the coverage amount, and your answers about health and lifestyle. Many carriers now offer immediate decisions for applicants who qualify; each quote on this site tells you upfront whether an exam is expected, might be asked for later, or is not needed.

Choose a term length that covers the period your dependents would need financial protection: years until your mortgage is paid off, until children graduate or become independent, until a business loan is repaid. Longer terms carry higher monthly payments but lock in your rate for more years. The quoting tool lets you see side-by-side pricing for 10, 15, 20, 25 and 30-year options.

Correct, we don't. The quote tool never asks for your name, email, or phone number, and we don't buy or sell visitor information. Our website measurement doesn't use cookies or tracking pixels; visitors who send Do Not Track signals are not measured at all. The privacy page has the complete details on what data is collected and how it's handled.