Frequently asked questions

No. Quotes require only gender, date of birth, your health in your own words, tobacco use, desired coverage amount, and term length. These six pieces of information are all the quoting engine needs. Your name, address and detailed health information are requested only if you decide to apply.

The rates shown are what each carrier quotes for the health class you indicated. Underwriting may confirm your class, improve it, or move it lower or higher—the carrier decides after reviewing your application. This site makes no guarantee of any price, approval, or specific coverage.

You move from quotes into a secure application hosted by the carriers' platform. Your previous answers prefill the form. You can save and return later, and you sign your application electronically. Susman Insurance Agency, a licensed California agency (License 0B75129), handles the application.

That depends on the carrier you choose, the coverage amount, and your answers. Many carriers now have accelerated programs that skip the exam for younger, healthier applicants within their limits. Each quote on this site tells you whether an exam is required, possibly required, or not required for that particular product.

Choose a term that covers the period when your death would harm your family financially: a mortgage that runs 25 years, children who need to grow up, or a business loan. Longer terms have higher monthly payments but lock in your rate for those extra years. This tool lets you compare all options—10, 15, 20, 25, or 30 years—side by side.

No. The quote tool collects no contact information, we do not buy or sell visitor data, and we use cookieless measurement. Read the privacy page for the complete list of what is collected and who can see it.