Frequently asked questions

No, your name and contact information are not needed. The quoting system needs only six data points: your gender, date of birth, health status, tobacco use, the coverage amount you want, and the term length. These six pieces are sufficient for carriers to generate accurate rates. Personal details like your name, address, and full health history are gathered only if you decide to proceed with an application.

The prices shown are each carrier's quoted rates based on the health tier you selected. Your actual premium depends on the underwriting decision made by the carrier, which may move you to a different tier or improve your classification. This site does not constitute an insurance offer, guarantee of pricing, or commitment of coverage.

Your name goes in at that point, and the system creates an application using the specific quote you selected. The process then moves to the carriers' protected application environment. You have the freedom to pause and come back later, and all signatures are done electronically. Susman Insurance Agency, licensed to do business in California (License 0B75129), manages the application process.

This varies based on the carrier's underwriting rules, the death benefit amount, and your specific circumstances. Some carriers offer immediate decisions for qualifying applicants (those marked as offering immediate coverage). Each quote indicates the exam status: whether it will be required, may be required, or is not needed.

The right term length is one that extends through the period when dependents would face financial hardship if you were gone—think a home loan, kids still being raised, or business obligations. As the coverage period extends, the monthly cost rises but your rate gets locked in for more years. The tool enables side-by-side comparison of 10, 15, 20, 25, and 30 year periods.

No, we do not. The quoting engine doesn't gather names or contact information, we have no practice of selling or sharing data about visitors, and we use measurement methods that don't rely on cookies. Visit the privacy section for full details on what data is collected and which parties collect it.