Frequently asked questions

Your privacy is protected here. The quoting system needs only your gender, date of birth, health status, tobacco history, desired coverage level and policy term. These six data points are sufficient to generate carrier rates. Personal identification, home address and detailed medical history are requested only if you proceed to apply.

The amounts displayed reflect what carriers are currently quoting for your selected health category. Once you apply, the underwriting process may keep, improve or shift your rating. These rates are informational estimates only and do not constitute an insurance offer or guarantee of pricing.

When you select Apply, enter your name and the system builds an application matching your chosen quote. You then move into the carriers' encrypted platform where you can complete the process at your own pace. Electronic signing is available. Susman Insurance Agency, a California-licensed firm (License 0B75129), manages your application.

Medical underwriting requirements vary by carrier, coverage amount and your health answers. Some carriers offer fast-track decisions for qualifying applicants without exams. Each quote on this site clearly shows the exam status: required, possibly required, or not required.

Term length should match the window during which your death would create financial hardship: paying off a house, supporting children, servicing business debt. Monthly payments increase with longer terms, but you gain price certainty over more years. The tool shows side-by-side pricing for 10, 15, 20, 25 and 30-year options.

Your data stays private. This platform does not gather contact information for quotes, we never sell or disclose visitor information, and all analytics work without cookies. The privacy policy details everything that is tracked and who may access it.