Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. The quote tool requests gender, date of birth, general health, tobacco use, coverage amount, and term—those six facts are all that's needed for rates. Your name, address, and full health information only come up if you apply.
Are the monthly prices shown the price I will pay?
These are the rates each carrier quotes for your selected health class. After underwriting, the carrier sets the real premium and may confirm, improve, or change the class. This site makes no insurance offer and promises nothing about price.
What happens when I click Apply?
You provide your name, the application builds from the quote you picked, and it continues on the carriers' secure platform. Pause and pick up anytime; you sign electronically. Susman Insurance Agency (California License 0B75129) handles the application.
Will I need a medical exam?
It depends on the carrier, the amount, and your answers. Carriers with Immediate coverage can decide quickly for eligible people; each quote tells you if an exam is needed, might be needed, or not needed.
Is a longer term better?
A term should match the years your death would cause financial hardship: a mortgage, children, a business debt. Longer terms cost more monthly but lock in the rate longer. Compare 10, 15, 20, 25, and 30 years side by side in the quote tool.
Does this site sell my information?
No. The quote tool gathers no contact info, we don't sell or share visitor data, and measurement is cookie-free. Read the privacy page for what's collected and who collects it.