Frequently asked questions

You provide gender, date of birth, your general health, tobacco status, the amount of coverage you want and the length of the term. That's sufficient for the carriers to provide rate quotes. Personal details—name, address, health specifics—are requested only if you decide to apply.

These are the premiums the carriers have quoted based on the health classification you indicated. After you apply, the insurer will finalize your actual rate class through underwriting, which could result in confirmation, an improvement, or a change from what was quoted. Nothing on this site constitutes an insurance offer or assurance of a specific premium.

You provide your name, and your application is generated from the specific quote you selected. The process continues within the carriers' encrypted application system. You may pause and return to it later, and your signature will be captured electronically. Susman Insurance Agency, a licensed California insurance firm (License 0B75129), manages your application.

That depends on factors including the particular insurer, your requested benefit amount, and your health information. Several carriers feature Immediate coverage options that can approve eligible candidates without delay. Each quote displayed here indicates whether a medical exam is expected, possibly needed, or not necessary for that specific coverage.

A policy term needs to protect the years when your income is critical to others: a home loan, children being raised, educational expenses, business commitments. Longer durations lock in a rate for more time but cost more each month. The quote tool allows you to compare 10, 15, 20, 25 and 30 year options to see what works for your budget.

Your information remains confidential. The quote system doesn't request any phone or email information; we don't distribute or sell personal data to third parties; and our web analytics use no cookies or tracking cookies. Visit our privacy page for details on precisely what is and isn't captured during your visit.