Frequently asked questions

No. The quote tool requests only gender, birth date, general health rating, tobacco use status, desired coverage amount, and term length. Those six inputs generate carrier quotes. Personal details like your name, address, and medical history are collected only if you proceed to apply.

These are the premiums each carrier quotes for the health classification you selected. The actual premium that a carrier will charge is determined after underwriting, which may confirm, improve, or adjust your classification. Quotes on this site are for information only and not an offer of insurance or a price guarantee.

Your answers prefill an online application that continues on the carriers' secure application platform. You can save your progress and return later to finish. Signing is electronic, with no need to print or mail documents. The application is processed by Susman Insurance Agency, a licensed California insurance agent (License 0B75129).

It depends on the carrier, the benefit amount, and your health answers. Many carriers now offer accelerated underwriting that skips the exam for applicants who meet their age and health criteria. Each quote on this site notes whether the carrier expects an exam, might request one, or does not require one.

A term length should match when the financial need exists. Choose 10 to 30 years based on how long your family would struggle without your income: a mortgage timeline, children's dependency years, a business loan term. Longer terms cost more per month but lock in your rate for longer. The quote tool lets you compare all available terms side by side.

No. The quote tool does not capture any contact information, we do not buy, sell, or share personal data with others, and our measurement uses no cookies. See our privacy page for a complete explanation of what is collected and who can access it.