Frequently asked questions

No. To see pricing, the tool only needs gender, birth date, health description, tobacco status, coverage amount and term duration. Those six pieces of information are sufficient. Personal details like your name, home address, and medical history are only sought if you decide to proceed with an application.

Each rate represents what a carrier is quoting for the underwriting tier you selected. Your final premium is determined after the carrier completes underwriting, which may confirm the tier, move you to a better class, or move you to a different class. Please note: quotes here are illustrative only and do not constitute an insurance offer or rate guarantee.

After selecting a carrier, you move to a secure online application that has your information already entered. You can halt and return at any point, and your signature is done electronically via the carriers' system. Susman Insurance Agency (License 0B75129) is the California-licensed agency managing the application.

It varies—depends on the carrier, coverage amount, and how you answered the health questions. Several carriers now provide same-day decisions for eligible applicants through fast-track underwriting; the quote display indicates exam status (required, possible, or not needed) for each product.

A term should span the period when losing your income would hurt your family financially: paying a home loan, supporting minor children, or meeting business obligations. Extended terms come with higher monthly fees but lock your rate longer. The quote tool here lets you compare pricing across 10-, 15-, 20-, 25- and 30-year periods from all carriers at once.

No. The quote tool doesn't request personal contact data; we don't trade or disclose member data; our visitor tracking has no cookies. More specifics are on the privacy page about what gets collected and who collects it.