Frequently asked questions

Your identity is not required to obtain quotes. The tool needs only six pieces of information: your gender, birth date, health status in your own words, tobacco use, desired coverage amount, and preferred term length. Personal information—your name, location, or health history details—is requested only if you proceed to apply.

The rates you see reflect what each carrier quotes for the health tier you chose. After you apply, the carrier performs underwriting, which may result in the same class, a better class, or a different class being assigned. This site displays estimates only, not binding offers or price guarantees.

When you select Apply, you provide your name and the quote details transfer into a secure application on the carriers' platform. You may pause and return later to finish. Electronic signatures complete the process. Susman Insurance Agency, a California-licensed firm (License 0B75129), manages the application.

This varies by carrier, coverage amount, and your specific responses. Some carriers offer instant decisions for qualifying applicants; check each quote to see if an exam is required, might be required, or is waived.

Select a term that spans the period when your income is irreplaceable: paying off a mortgage, supporting dependents, or meeting business obligations. Extended terms carry higher monthly costs but secure your rate for longer. Compare 10, 15, 20, 25, and 30-year options side-by-side to find your fit.

Correct. The tool takes no contact information. We never sell or share visitor data, and our usage tracking is cookie-free. Visit the privacy page to learn exactly what data is gathered and by whom.