Frequently asked questions

No. The tool needs six things: your gender, birthday, health level, tobacco status, coverage amount, and term years. That's enough to get rates from carriers. Your name, location, and detailed health info only come up if you decide to apply.

These are the rates each carrier quoted for the health tier you chose. The carrier adjusts the final premium after underwriting, which may keep, raise, or lower your class. Nothing shown here is an insurance offer or a price guarantee.

You supply your name and move into an app built from your chosen quote, running on the carriers' encrypted platform. You can pause and pick up later, and all signatures are digital. Susman Insurance Agency processes your application—licensed in California under License 0B75129.

It depends on which carrier, how much coverage, and your answers. Some carriers offer immediate approval for eligible people; each quote shows whether an exam is definitely needed, might be needed, or isn't needed.

Pick a term that protects the years your death would hurt someone financially: an unpaid house, kids still at home, business debt. Longer terms raise the monthly cost but freeze your rate longer. You can compare 10, 15, 20, 25, and 30 years right here.

No. The quote tool doesn't gather contact info, we don't sell or pass along visitor data, and we don't use cookies for tracking. Read the privacy page for the complete list of what we collect and who sees it.