Frequently asked questions

No—the quote tool only needs six pieces of information: your gender, date of birth, health level, tobacco use, how much coverage you want, and what term length you prefer. That's all required to generate carrier rates. Your name, address, and detailed health history stay private unless you decide to apply.

The prices shown are what carriers quote for the rate class you selected. Your actual premium is determined after the carrier completes underwriting, which may keep the class the same, improve it, or adjust it. This site provides estimates for information only and makes no guarantee of any specific price or insurability.

You will provide your name and continue to a secure application built by the carriers themselves, filled in with your answers from the quote tool. You can pause and come back later, and you sign using electronic signature. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), handles the application on the carriers' platform.

Whether you need an exam depends on the carrier, the amount of coverage you're requesting, and your answers. Many carriers now offer accelerated underwriting for eligible applicants and can make decisions quickly using your application and records instead of a paramedical exam. Each quote clearly states whether an exam is required, possibly required, or not required for that product.

A term should last as long as the financial risk would hurt someone. That risk period usually includes a mortgage, children still at home, or business obligations. Longer terms have higher monthly payments but protect your rate for more years. The quote tool lets you compare 10, 15, 20, 25, and 30-year terms side by side to see the tradeoffs.

No. The quote tool does not collect your name or contact details, we do not sell or share any visitor data with third parties, and our website measurement has no cookies. For the full accounting of what is collected and who has access to it, see our privacy page.