Frequently asked questions

No. The quote form takes six answers: your gender and birth date, how you would describe your health, whether you use tobacco, the coverage amount you want, and the length of term that fits your needs. Those are sufficient to return quotes. Your name and contact information are only requested if you choose to continue to an application.

They show what each carrier quotes for the health class you chose. The final premium depends on the carrier's underwriting of your specific situation, which may place you in a different class. Quotes are for information and are not a price guarantee or an offer of coverage.

You will enter your name and choose one of the quotes you received. The application is then created with your quote details and continues on the carriers' secure platform. You can pause and resume at any time, and all signatures are electronic. Applications are managed by Susman Insurance Agency, a licensed California insurance agency (License 0B75129).

That varies by carrier and the coverage amount. Some carriers can approve qualified applicants with no exam based on application details, prescription records, and motor vehicle data. Other carriers or higher amounts may require a brief paramedical exam at your home or workplace. Each quote shown here indicates whether an exam is required, likely, or not needed.

It should span the years when a family or business would be harmed by loss of income: a mortgage to pay, children in the home, or a business loan. Longer terms lock in lower monthly rates but cost more per month overall. The quote tool lets you compare 10, 15, 20, 25, and 30-year options side by side so you can see the trade-offs.

No. The quote form requires no contact information, we do not sell or share your data, and our measurement uses no cookies. Visit our privacy page to see the full list of what is and is not collected.