Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. The quote tool asks for gender, birth date, your health level in plain language, tobacco use, coverage amount and policy length. Those six pieces are enough to show you carrier rates. Your name, where you live and detailed health history are only requested if you choose to apply.
Are the monthly prices shown the price I will pay?
They are what each carrier quotes for the health tier you selected. After you apply, the company does underwriting and sets the final rate, which may be better, the same or slightly different than the quote. These rates are for information only and are not insurance offers or price guarantees.
What happens when I click Apply?
You enter your name, and an application is created based on the exact quote you picked, then opens on the carriers' secure platform. You can step away and return anytime. You sign digitally at the end. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), processes all applications.
Will I need a medical exam?
It depends on the carrier, the coverage amount and your answers. Many companies today offer accelerated underwriting for eligible applicants—making a decision in days without an exam. Each quote tells you whether an exam is needed, possibly, or unlikely for that product.
Is a longer term better?
A term length should match when you need protection: a 25-year mortgage, kids before they're grown, a business loan. Longer terms cost more monthly but lock your rate in for longer. The quote tool lets you test 10, 15, 20, 25 and 30 years side by side.
Does this site sell my information?
No. The quote tool doesn't collect your contact info, we don't sell or share visitor data, and our measurement system has no cookies. Read the privacy page for the complete list of what is collected and who has access.