Frequently asked questions

No. Enter just six pieces of information: your gender, birth date, current health status, tobacco usage, the coverage amount you want, and your preferred term length. That's all the system needs to show you what different carriers would charge. Only if you decide to submit an application do you need to provide your name, address, or detailed health history.

These are the premiums that carriers have quoted based on the health category you indicated. After you apply, the carrier's underwriting process may affirm that category, upgrade it to a better one, or shift it. This site makes no guarantees about pricing or insurance availability—the numbers shown are quotes only, not binding offers.

Clicking Apply takes the exact rate you selected and starts an application with the carrier's system. Your name gets added at that point, and the rest of the application happens on the carrier's secure platform—you can leave and come back later if you need to, and you'll sign your name digitally. Susman Insurance Agency, a California-licensed agency (License 0B75129), manages the application on your behalf.

That varies by the carrier, the amount of coverage you're seeking, and how you answered the health questions. Some carriers that offer Immediate coverage can approve qualified applicants without delay. Each quote displayed on the tool tells you whether a medical exam is required, possibly required, or not required for that specific offer.

It depends on your circumstances. A term length should extend through the period when your income would be critical to your family's stability—whether that's a home loan, kids still at home, or debt from a business. Longer terms come with higher monthly premiums but lock in the rate for more years. You can see side-by-side quotes for 10, 15, 20, 25, and 30-year terms to find what works.

No. Getting quotes doesn't require sharing contact information, your data is never sold or passed along to third parties, and we track visits without using cookies. For details on what information is collected and which parties may receive it, check the privacy policy.