Frequently asked questions

No. The six pieces of information you provide are: your gender, birth date, how you rate your health, whether you use tobacco, the amount of coverage you want, and how many years you want the coverage to last. These are sufficient to get carrier quotes. Only if you decide to apply does the system request your name, address, and detailed health information.

The amounts you see are what each carrier quoted for the health classification you selected. The actual premium depends on the underwriting process, which may confirm your health class, move you to a better class, or place you in a different class. This website does not guarantee insurance rates or make any insurance offers.

After you choose Apply, you enter your name and the system creates an application from the quote you selected. The process then moves to the carriers' encrypted platform where you can complete it at your own pace. You have the flexibility to exit and come back, and all signatures are digital. Processing is managed by Susman Insurance Agency, a California-licensed insurance agency (License 0B75129).

It depends on which carrier you select, the coverage amount you want, and your individual circumstances. Some carriers can issue policies quickly to eligible applicants without exams; every quote indicates whether a medical exam is required, might be required, or is not required for that specific product.

Your choice should depend on when the financial risk would affect you most. If you have a mortgage, dependents, or business obligations, you want protection during those years. Longer terms mean higher monthly payments, but the rate stays the same for the entire period. You can see side-by-side prices for 10, 15, 20, 25, and 30-year terms on the quote page.

No. The quote tool doesn't ask for or retain your contact information. We do not sell visitor data, share it with marketers, or use cookies. You can read the privacy page to see the complete details of what information is gathered and which services process it.