Frequently asked questions

No. The tool requests just six pieces of information: your gender, date of birth, general health status, tobacco use, the coverage amount you want, and the term length. Those answers are all you need to see carrier rates. Personal details like your name and complete health history are collected only if you decide to apply.

The rates shown are what each carrier quotes for the health class you selected during the questionnaire. After you apply and the carrier completes underwriting, your final premium may be confirmed at that rate, improved to a better rate, or adjusted based on their review. Nothing advertised on this site constitutes an offer of coverage or a guarantee of price.

When you select Apply, you enter your name and the application is populated with the answers you already provided in your quote. The form then moves to the carrier's secure platform where you can pause, resume, and sign electronically. A licensed California insurance agency—Susman Insurance Agency, License 0B75129—handles the application.

It depends on several factors: the carrier you choose, the amount of coverage, and your health answers. Many carriers now offer accelerated underwriting that can approve coverage immediately for qualified applicants; each quote on this site specifies whether a medical exam is required, may be required, or is not required for that carrier and amount.

Term length should match the years your family or business would suffer financial harm if your income stopped: a mortgage payoff date, your youngest child's independence, a business loan term. Longer terms cost more each month but lock your rate in place for more years. The tool lets you compare 10, 15, 20, 25, and 30-year options in seconds.

No. The questionnaire does not request contact information, we do not buy, sell, or share visitor data with third parties, and all measurement on this site operates without cookies. Consult the privacy page for a complete accounting of what information is collected and by which parties.