Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. The quote tool gathers only gender, age, general wellness level, tobacco status, desired coverage amount and term length. No personal information is required to view rates. Your name, address and detailed health information are requested only if you proceed with an application.
Are the monthly prices shown the price I will pay?
The numbers represent what each carrier is quoting for your selected health classification. Final premiums are determined by the carrier's underwriting department, which may confirm, raise, or lower your classification. This site makes no guarantees about pricing or coverage and is not an insurance offer.
What happens when I click Apply?
Selecting Apply starts a secure application form that's pre-populated with your quote information. The secure form runs on the carriers' platform. You can pause and return, then sign digitally when ready. Susman Insurance Agency, a licensed California agency (License 0B75129), manages all applications.
Will I need a medical exam?
It varies by carrier, amount and your responses. Some carriers using instant decision technology can approve qualified applicants without exams. The quote display notes each product's exam requirements. You're always informed before an exam is scheduled.
Is a longer term better?
Term length matches your protection timeline. If you need coverage through your kids' college years or until a mortgage is paid, a longer term locks in your rate. The quote tool lets you compare 10-, 15-, 20-, 25- and 30-year terms side-by-side to see how premiums change.
Does this site sell my information?
No sales, no sharing. The quote tool collects zero personal details. This site uses no cookies and no third-party trackers. Visit the privacy page for the complete policy on what data is gathered and by whom.