Frequently asked questions

No. To obtain quotes, we need your gender, date of birth, self-assessed health status, smoking history, the death benefit amount you want, and which term length interests you. That's sufficient to return rates. Name, location and medical details only come into the picture if you decide to apply.

The premiums displayed are what the carriers will quote for the health category you chose. After underwriting, the carrier may confirm, improve or alter the tier, affecting your final cost. Nothing presented on this website promises a specific rate or serves as an insurance offer.

You'll type your name in, the exact quote you picked gets used to start the application, and you'll continue through the carriers' protected system. Pause as needed and return later. Everything happens electronically, including your signature. Susman Insurance Agency, a California-licensed insurance company (License 0B75129), oversees the process.

Depends on the company, amount and your health responses. Companies with Instant Approval programs can decide immediately for people who meet their criteria. The quotes display whether each company requires an exam, possibly requires one, or doesn't.

Think about which years you really need protection: covering a mortgage, supporting kids, or a business debt. Longer terms lock in your rate for more years but cost more monthly. The quote tool compares every term from 10 to 30 years with every carrier at once.

Absolutely not. The quote process won't gather contact information, we don't buy or resell your information, and our tracking system uses no cookies. Privacy details are here on the privacy page.