Frequently asked questions

No. The quote form only requests gender, date of birth, health condition, tobacco use, coverage amount and term length. You can see full carrier rates with only these six facts. Contact details are collected only if you choose to apply.

The numbers shown are what each carrier quotes for your selected class. The final rate depends on the insurer's underwriting determination, which may confirm, upgrade or downgrade your class. Nothing here constitutes a rate promise or insurance offer.

You supply your name, the application is built from your chosen quote, and the process transfers to the carriers' application system. You may exit and return later; signatures are electronic. Susman Insurance Agency, a California-licensed agency (License 0B75129), manages the application.

That's up to the carrier, the requested amount, and your health history. Some carriers with accelerated programs give immediate decisions to applicants who qualify; all quotes here show whether a test is required, maybe needed, or not needed.

The right term is however long your dependents would need the income: a home loan being paid off, kids becoming grown, or a business obligation. Longer periods lock in your rate for more years but cost more monthly. The quoter lets you compare 10, 15, 20, 25 and 30 year terms directly.

It does not. The quoter doesn't capture names or contacts; we don't transfer personal data to anyone; all our visitor counts are cookieless. Find the privacy page for a complete rundown of what data is collected and who touches it.