Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. Six quick answers are all the quote tool needs: your gender, date of birth, general health, tobacco use, coverage amount and term length. These details produce carrier rates instantly. Your name, address and full health history stay private unless you decide to apply.
Are the monthly prices shown the price I will pay?
They are the rates each carrier offers based on the health class you selected. Your carrier confirms the final premium during underwriting, which can keep the class the same, improve it, or adjust it. Quotes on this site are estimates for comparison only, not a guarantee of price.
What happens when I click Apply?
You proceed to a secure online application prefilled with your answers from the quote tool. The application runs on the carriers' platform and is handled by Susman Insurance Agency, a licensed California insurance agency (License 0B75129). You can pause and finish later, and you sign digitally.
Will I need a medical exam?
That depends on the carrier, the amount you want, and your answers. Carriers with instant-decision options can underwrite eligible applicants without an exam; each quote tells you whether an exam is required, possibly required, or not required for that specific product.
Is a longer term better?
A term covers specific obligations: a mortgage balance, years until children are independent, or business loans. Longer terms cost more each month but keep rates locked in for longer. The quote tool shows costs for 10, 15, 20, 25 and 30-year terms side by side, so you can choose.
Does this site sell my information?
No. The quote tool never asks for contact information, we do not sell or share visitor data, and our measurement is fully cookieless. Visit the privacy page for details on what is collected and by whom.