Frequently asked questions

No, your name, phone number, or email are unnecessary for quotes. The quoter only needs six data points: what gender you are, when you were born, how you'd rate your health, whether you smoke or use tobacco, the coverage amount you're looking for, and the duration you want it for. Those details give carriers what they need to show their rates. Personal information and full health records only come into play if you decide to proceed with an application.

The costs you see reflect what each carrier would quote for the health classification you picked. However, the real price after applying will depend on the carrier's underwriting review, which might confirm your class, improve it, or shift you to a different tier. These prices are estimates only, not a locked-in rate or company commitment, and approval is never guaranteed.

After you pick Apply, you enter your name, and the quote transforms into an application tailored to what you picked. The carriers' system handles it from there—you're able to pause and come back any time. All documentation gets signed digitally. Susman Insurance Agency, a California-licensed insurance operation (License 0B75129), processes your applications without forcing you into any next steps.

This depends on the carrier you choose, the amount of coverage, and how you answered the health questions. Some carriers can approve applicants immediately if they match their standards; other companies require exams or need to see more health details. For the coverage amount you selected, the quote displayed here shows whether exams are mandatory, optional, or not needed.

The time you need coverage should match when your household would suffer without your income. That could be while you're paying off a house, raising dependent children, or managing company obligations. Terms in the longer range mean you're locked in for more time but spend more monthly; shorter terms cost less each month but end sooner. The quoter shows different pricing for 10-, 15-, 20-, 25-, and 30-year terms so you can weigh the tradeoffs.

No. The rate tool doesn't ask for contact details. We maintain no databases and don't share visitor data. Our first-party measurement honors Do Not Track and Global Privacy Control, but the site also carries a cookieless page-view beacon from our content delivery provider which does not read such signals. Visit the privacy page for additional information.