Frequently asked questions

No. You supply your gender, birth date, health status, tobacco use, the amount you want to insure for, and how many years to cover. This information alone is sufficient for carriers to provide estimates. Your personal details and full health history are only collected if you choose to move to the application phase.

These are the estimates carriers have provided for your health classification. Following underwriting, the insurer determines what premium you actually pay, which may affirm, improve, or shift your classification. The quotes you see are estimates, not guaranteed rates or an insurance offer.

You give us your name and the specific quote you picked becomes the foundation for your application. From there, the process moves to the carriers' platform, which is secure. You can interrupt and resume your application at any point, and you will sign electronically. Susman Insurance Agency, a licensed California insurance firm (License 0B75129), is managing your application.

The requirement depends on the carrier, the benefit amount, and your personal answers. Most carriers with quick-decision options can approve eligible applicants without a physical exam; the quote will indicate if an exam is mandatory, possible, or not needed.

Pick a term that covers the years when your household would struggle without your income—a mortgage you owe, kids at home, business obligations. More years cost more per month but protect your rate longer. The quote tool lets you compare 10, 15, 20, 25, and 30 years at a glance.

No. We do not ask for contact information to show quotes; we do not buy or distribute any user data; and the analytics we collect do not use cookies. The privacy page has all the specifics on what we measure and who can access it.