Frequently asked questions

No. To see quotes, you simply provide gender, date of birth, general health status, whether you use tobacco, the death benefit you want, and your preferred term length. Those six data points are sufficient for the carriers to provide rates. Full personal information—your name, address, health records—is requested only if you decide to submit an application.

The rates you see reflect each carrier's quotation for the health class you chose. However, the carrier makes its final determination after underwriting, which may confirm your class, improve it, or move you to a different category. These quotes are estimates provided for comparison and do not guarantee final pricing or acceptance.

You enter your name, and we create an application from the specific quote you selected. It then transfers you to the carriers' secure platform where you continue. You can exit and return to your application anytime, and you sign electronically when ready. Susman Insurance Agency, licensed in California (License 0B75129), processes all applications.

This depends on the specific carrier, the coverage amount you seek, and the answers you provide. Several carriers now offer immediate decisions for qualified applicants—those under certain age and amount thresholds with limited health history. Each quote shows whether an exam is definitely needed, possibly needed, or not needed for that product.

A policy term should align with the years your family would struggle financially if your income disappeared: while a mortgage is outstanding, while children need support, while a business relies on you. Longer terms mean higher monthly cost but guarantee your rate for more years. The tool lets you compare monthly costs for 10-, 15-, 20-, 25-, and 30-year options side-by-side.

No. The quote tool does not gather your contact information. We don't trade in visitor information, don't employ commercial tracking, and don't harvest analytics data. Measurement here is cookieless and anonymous. Check the privacy page for a complete accounting of what is collected and by whom.