Frequently asked questions

Not required. The six pieces the quote tool needs are gender, date of birth, your general health, tobacco use, coverage amount and term length. These alone return carrier rates. Only if you apply do we collect your name, address or full health history.

These are the premiums each carrier quotes for the health class you chose. Underwriting by the carrier may keep, improve or adjust that class; the final premium is set by the carrier after review. Nothing shown here is an insurance offer or a price guarantee.

You provide your name, which is then combined with the exact quote you selected to create your application on the carriers' secure platform. You have the option to pause and come back later, and all signatures are electronic. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), manages your application.

The answer depends on your chosen carrier, the coverage amount and your responses. Some carriers can make instant decisions for qualified applicants with their Immediate coverage programs; each quote specifies whether an exam is required, might be required, or is not needed.

The right term depends on when your income matters most: during a mortgage, while kids are growing, or a business obligation. Longer terms carry higher monthly cost but lock your rate in for more years. The quote tool shows side-by-side costs for 10, 15, 20, 25 and 30 year periods.

Correct, we do not. No contact information is gathered by the quote tool, we never sell or share visitor information, and we use measurement with no cookies. Visit our privacy page to see exactly what information is collected and which parties collect it.