Frequently asked questions

No. The quote tool asks for your gender, date of birth, general health status, tobacco use, desired coverage amount, and term length. Those six answers are sufficient to return carrier rates. Your name, address, and detailed health information are only requested if you proceed to apply for coverage.

They represent the premiums each carrier quotes for the health class you selected and are for information purposes only. The final premium and rate class are determined by the carrier following underwriting, which may confirm, improve, or adjust your classification. Nothing presented here is an offer of insurance or a guaranteed price.

Selecting Apply continues into a secure application filled in with your answers. This application runs on the carriers' secure platform and is managed by Susman Insurance Agency, a licensed California insurance agency (License 0B75129). You can pause and resume the process at any time, and you sign electronically when ready.

That depends on the carrier, the coverage amount, and your responses. Many carriers now offer rapid underwriting that can approve eligible applicants without a medical exam, with decisions sometimes made the same day. Each quote on this site indicates whether an exam is required, possibly required, or not required for that product.

A term should span the years when the loss of your income would create financial hardship: a mortgage, dependent children at home, or business obligations. Longer terms cost more monthly but lock your rate for a longer period. The quote tool lets you compare 10, 15, 20, 25, and 30-year options side by side for the same carriers.

No. The quote tool does not collect contact information, we do not sell or share visitor data, and our measurement does not use cookies. Visit the privacy page for a complete list of what is collected and which parties collect it.