Frequently asked questions

No. The quote tool needs six pieces of information: your gender, birthdate, how you'd describe your health, tobacco use, desired coverage amount and preferred term length. That's enough for the carriers to return rates. We collect your name, address and detailed health information only if you choose to apply.

The rates shown are what each carrier quotes for the health class you selected. The carrier's underwriting process after application may confirm, raise, or lower that rate class, which would change your actual premium. These quotes are estimates for information purposes and are not an insurance offer or guarantee of price.

You'll enter your name and the quote information from the carrier you chose feeds into their secure application form, which then asks for additional details needed for underwriting. You can save your progress and come back later. When you're ready, you sign electronically. Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), processes the application.

That depends on the carrier you choose, the coverage amount, and your health answers. Many carriers now offer fast-track underwriting where eligible applicants can get approved without an exam. Each quote on this site indicates whether an exam is required, possibly required, or not required for that specific product.

A longer term is better if the need lasts longer. Choose a term that covers the critical years when your family would suffer most from losing your income: a mortgage you need to protect, children at home, a business that depends on you. The monthly cost goes up with a longer term, but your rate is locked in for the full period. The quote tool lets you see prices for 10, 15, 20, 25 and 30 years so you can compare.

No. The quote tool collects no personal contact information, we do not sell or share visitor data with others, and our analytics are cookieless with no tracking identifiers. Check the privacy page for a complete list of what is and is not collected.