Frequently asked questions

No. The six questions asked by the quote tool—gender, date of birth, health status, tobacco use, coverage amount, and term length—are all it needs to fetch rates from carriers. Your personal details like name and address are gathered only if you decide to apply.

The quotes shown represent what each carrier would charge for the health rating you selected. After you apply, the carrier runs underwriting and may move you to a different health class, which changes the final premium. These quotes are estimates for comparison; the carrier's final decision and the issued policy control what you actually pay.

When you click Apply, you provide your name and the application is built from the exact quote you selected. It then transfers to a secure application system run by the carriers themselves. You can pause and come back later, and everything is signed electronically. Susman Insurance Agency, a licensed California insurer (License 0B75129), handles the application process.

It depends on the carrier's requirements, the amount you want, and what you said on the application. Many carriers now use accelerated underwriting and can approve without a physical exam for eligible people; others may ask for one. Each quote on this site indicates whether an exam is required, may be requested, or is not necessary.

The point of term coverage is to bridge the years when your income loss would hurt the people depending on you: a mortgage balance, children, or a business. A longer term—20, 25, or 30 years—locks your rate in for more years but costs more each month. The quote tool lets you run the numbers for all five lengths and see the difference.

We do not. The quote tool does not ask for contact information, we do not sell or share data about visitors, and the counting we do is cookieless. The privacy page lists everything collected and why. Browse the quotes without worry.