Frequently asked questions

No. The six inputs to the quote tool are gender, age, self-described health level, tobacco use history, desired coverage amount, and term length. These inputs alone are sufficient to retrieve rates from the carriers. Personal information—name, address, phone and email—is requested only if you decide to proceed to an application.

The prices you see represent what each carrier quotes for the rate class you selected. Rates depend on the health tier you choose; after underwriting, the carrier may confirm, upgrade, or adjust your placement. Quoted rates are illustrative only, not a guarantee, and nothing on this site constitutes an offer of coverage or a locked-in price.

Selecting a quote moves you into the carriers' secure online application platform, where the answers you gave appear pre-filled. You retain the ability to save your progress and return later, and all signatures are electronic. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), manages the application process.

The answer depends on which carrier you choose, the coverage amount you request, and your health profile. Many carriers offer expedited underwriting for eligible applicants and can make immediate decisions without a paramedical exam. Each quote on this site discloses whether the carrier requires, may require, or does not require an exam.

The right term length depends on your situation. A term should extend through the years when your family or business would suffer financially from your death: mortgage payments, childcare and school costs, or business debt. Longer terms carry higher monthly premiums but lock in your rate for more years. You can compare rates across 10-, 15-, 20-, 25-, and 30-year terms to find the fit.

No. The quote tool collects no contact information. We do not sell, share, or trade visitor data. Our measurement system is cookieless and has no identifiers. Visit the privacy page to learn exactly what is collected and by which parties.