Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. The quote tool only needs gender, date of birth, general health description, tobacco use, coverage amount and term length. That information generates rates. Name, address and health records are collected only if you choose to apply.
Are the monthly prices shown the price I will pay?
They are the monthly rates each carrier quotes for the health class you selected. Underwriting may confirm, improve or adjust the class after review. Nothing here guarantees a price or represents an insurance offer.
What happens when I click Apply?
You move forward into a secure application prefilled with your answers, run by the carriers' platform. Pause, resume and sign electronically whenever ready. Susman Insurance Agency, a licensed California agency (License 0B75129), manages your application.
Will I need a medical exam?
It depends on the carrier, amount and your situation. Many modern carriers use accelerated underwriting to decide via application data and records instead of exams for eligible people. Each quote displays whether an exam is expected, possibly required, or not needed.
Is a longer term better?
Ten to thirty years are typical for a term that covers a family's peak need years. Shorter terms cost less per month; longer terms lock in a low rate for more years. The quote tool lets you see what 10, 15, 20, 25 and 30 years cost side-by-side.
Does this site sell my information?
No. The quote tool doesn't gather contact information, we do not buy or share visitor data, and measurement is cookieless. The privacy page details exactly what gets recorded and who records it.