Frequently asked questions

No. The quoting tool only needs six pieces of information: your gender, date of birth, current health status, tobacco use, how much coverage you want, and what term length interests you. That is all required to pull rates from the carriers. Your name, home address, or detailed medical history are gathered only once you decide to move forward with an application.

They are what the carriers are quoting right now for the health class you indicated. After underwriting, the carrier may confirm your class, move you to a better one, or place you in a different one. Nothing shown here is an insurance offer or a guarantee of what you will ultimately pay.

You enter your name, and the application starts from the quote you picked, then moves to the carriers' secure system. You are free to pause and pick it up later. Your signature is added electronically. Susman Insurance Agency, a California-licensed agency (License 0B75129), manages the process.

That depends on which carrier you pick, how much coverage you are after, and your specific answers. Carriers offering quick decisions can approve eligible people without any exam. Every quote here states whether that product requires one, may require one, or does not need one.

Pick a term that runs as long as someone else would suffer financially if you were gone: a house loan, kids still being raised, a business debt. Longer terms mean higher monthly payments but lock in your rate for more years. You can check the cost for 10, 15, 20, 25, or 30 years side-by-side right in the quote tool.

Correct. The quote form never gathers your contact information, we do not trade or disclose visitor information to anyone, and we measure visits without cookies. Head to the privacy page for the complete details on what we gather and how it is used.