Frequently asked questions

No. The quotation tool only asks for six items: gender, date of birth, general health status, tobacco use, the coverage amount you want, and the term length. Your name, address and detailed medical history are only requested if you decide to proceed with an application.

These are the rates that carriers quote for the health class you chose. The actual premium your policy carries will be determined by the carrier's underwriting process, which may confirm the class, improve it, or adjust it downward. These quotes are not offers of insurance and do not guarantee any specific price.

Selecting Apply moves you into a secure application that is already filled with the same answers you provided for your quote. The application runs on the carriers' secure systems and is managed by Susman Insurance Agency, a licensed California insurance agency (License 0B75129). You are able to pause, return later, and sign all documents electronically.

That depends on the carrier, the death benefit amount, and your answers. Some carriers have immediate issue programs that decide right away for eligible applicants. Each rate you see includes information showing whether an exam is needed, may be needed, or is not needed for that specific product.

A term you select should match when your dependents would face real financial hardship if you were gone: years when there's a mortgage to pay, children who need support, or business obligations. Longer terms cost more each month but keep your rate fixed for longer. The quote tool displays costs for 10, 15, 20, 25 and 30-year terms so you can compare.

No. This site does not ask you to provide contact details before you see quotes, we do not sell or share visitor information, and our website measurement uses no cookies. Review our privacy page for the complete list of what is collected and by which parties.