Frequently asked questions

The quote tool needs only six facts: gender, birth date, general health status, tobacco use, coverage amount, and term length. These six answers are sufficient to generate carrier quotes. Your name, address, and detailed health information are only requested if you proceed to apply.

These are the rates each carrier quotes based on the health class you selected. After underwriting, the carrier may confirm the class, move you to a better one, or adjust it based on your full health history. This site makes no offer of insurance and does not promise any particular price.

You provide your name, and we create an application from your chosen quote. It then moves to the carriers' secure platform where you can save and come back to it anytime. You sign electronically, and Susman Insurance Agency, a California licensed agency (License 0B75129), receives and processes the application.

The answer depends on the carrier, the amount, and what you tell them. Some carriers with Immediate coverage can decide on the spot for qualified applicants. Each quote tells you whether an exam is required, may be required, or is not needed.

Choose a term that covers the years when a family or business would suffer financially without your income: a mortgage, dependent children, a business loan. Longer terms cost more each month but keep your rate locked in for more years. The quote tool lets you try 10, 15, 20, 25, or 30 years and see the difference.

We do not collect contact details, we do not sell or share visitor data, and we do not use cookies for measurement. The privacy page lists everything we collect and who collects it.