Frequently asked questions

No. To see quotes, we need six pieces of information: your gender, date of birth, general health status, tobacco use, the death benefit you're interested in, and the term length you'd like to compare. That's all the quote tool requires. We won't ask for your name, address, or detailed health history unless you decide to move forward with an application.

These are the quotes each carrier has provided for the health classification you selected. Once you apply, the carrier will perform underwriting, which might confirm your class, move you to a better class, or place you in a different one. What you see here are estimates for information only — not a binding offer, a price guarantee, or a promise that you'll be approved at that rate.

Choosing a quote takes you to the carriers' secure application platform, prefilled with your answers and your name. From there you move through underwriting questions, sign electronically if you choose to proceed, and you can save and come back if you need to pause. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), handles the application on your behalf.

That varies by carrier, the coverage amount you're applying for, and your specific health answers. The quotes shown on this site indicate for each carrier whether an exam is expected, might be needed, or isn't required. Carriers offering immediate decisions can move quickly for qualifying applicants without the exam step.

Choose a term that matches the years your family would struggle financially without your income: paying off the mortgage, supporting children until they're independent, repaying business debt. Each year of extra coverage raises your monthly payment, but longer terms lock in your rate for longer. The quote tool lets you see all five options — 10, 15, 20, 25, and 30 years — with real carrier prices side by side.

No. Your data stays private. The quote tool doesn't ask for your contact information, we don't sell or share visitor information with anyone, and our site measurement doesn't use cookies. The privacy page has the complete details of what information we collect and who has access to it.