Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. Just provide your gender, date of birth, general health status, tobacco use, desired coverage amount and preferred term length. These six answers deliver carrier quotes without collecting your name, address or contact information unless you proceed to apply.
Are the monthly prices shown the price I will pay?
They represent the premium each carrier would quote based on the health class you indicated. Underwriting may confirm, upgrade or modify your assigned class after review. This site makes no guarantees about final pricing or insurance coverage.
What happens when I click Apply?
Your selection and answers move into a secure application environment on the carriers' platform, where you enter full details and complete the process electronically. You may pause and return at any time before finishing, and the application goes through Susman Insurance Agency, a licensed California agency (License 0B75129).
Will I need a medical exam?
The answer depends on the carrier, the amount you request, and your personal answers. Many carriers offer accelerated decision-making for qualified applicants; each rate shown indicates whether examination is required, might be needed, or isn't necessary.
Is a longer term better?
A term should span the years when your income loss would cause financial hardship: an unpaid mortgage, children needing support, a business loan. Longer terms charge higher monthly premiums but lock in your rate for extended periods. The tool lets you side-by-side compare coverage from 10, 15, 20, 25 and 30-year options.
Does this site sell my information?
No. The quoting tool gathers no contact information, we don't exchange visitor data with third parties, and measurement runs without cookies. Visit the privacy page for complete details on data collection and handling.