Frequently asked questions

The tool requires only six data points: gender, birth date, health status, smoking history, desired benefit amount, and term duration. These are sufficient to generate carrier quotes. You are only asked for personal identifying information and detailed health data if you proceed to submit an application.

These represent what carriers would charge for the health classification you indicated during the quote process. After the insurance company completes its underwriting review, the actual premium may be confirmed, improved, or adjusted from the quoted class. This site provides estimates only and is not an insurance offer or price guarantee.

When you select Apply, you provide your name and your selected quote becomes the foundation of your application, which then transfers to the carrier's encrypted application system. You can pause and return to your application later, and all signatures are completed digitally. Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), manages the entire application process.

That varies based on the carrier, the coverage amount, and your disclosed information. Some carriers marked with Immediate coverage can make decisions instantly for qualified applicants; each quote indicates whether a medical exam is mandatory, conditional, or not necessary.

Choose a term that covers the period when your death would create financial hardship: paying off a home, supporting children, meeting business obligations. Each additional year of coverage increases the monthly cost, but you lock your rate for that entire period. The quote tool displays options for 10, 15, 20, 25, and 30-year terms for side-by-side comparison.

No. The tool does not request contact information, we maintain no visitor profile data to market or redistribute, and our analytics system requires no cookies. For a complete breakdown of what information is gathered and which parties have access, review our privacy policy.