Frequently asked questions

No contact information is required to see quotes. The quote engine only needs gender, your date of birth, a description of your health, tobacco use status, how much coverage you want, and what term length interests you. Six answers is enough for the carriers to return their rates. Names, addresses, and detailed health information come into the picture only if and when you decide to apply.

These rates come from each carrier for the health class you selected and are estimates only. After you apply, the carrier's underwriting may confirm your health class, move you to a better one, or adjust it downward. Nothing shown here constitutes a promise of any specific premium, an offer of coverage, or a guarantee of approval.

After selecting a quote, you provide your name and proceed to an application that opens on the carriers' secure platform, prefilled with the answers you already gave. You can work on it at your own pace—stop, come back later, save your work. When ready, you sign electronically. Susman Insurance Agency, a licensed California agency (License 0B75129), handles the application.

It varies by carrier, coverage amount, and your personal answers. Many modern carriers offer accelerated underwriting programs for qualified applicants, deciding the case immediately without a paramedical exam. Each quote displays whether an exam is required, possibly required, or expected not to be required for that specific product.

A term's length should match the financial need it covers: a mortgage that will be paid off in 15 years, children who will be independent in 20 years, a business obligation in a certain timeframe. Longer terms have higher monthly costs but lock in a fixed rate over a longer span. The quote engine makes it simple to compare 10, 15, 20, 25, and 30-year options side by side.

No. The quote tool collects zero contact information; we do not sell, trade, or share any visitor data with outside parties; and the measurement system running behind the scenes uses no cookies or third-party trackers. Check the privacy page for a complete accounting of what gets collected and how.