Frequently asked questions

No personal information is required to view quotes. The tool requests your age, gender, health status, tobacco use, desired coverage level and term length — six data points that carriers need to quote. Contact details are collected only if you proceed to apply.

These are the rates carriers quote based on your stated health class. Underwriting by the carrier after application may result in a different class and therefore a different final rate. No quote on this site is a binding offer or price guarantee.

After providing your name, you move into the carrier's secure application environment using your selected quote as the starting point. You may pause and return later. All signing occurs electronically. Susman Insurance Agency, licensed in California, manages the process with the carrier.

The requirement varies by carrier, coverage amount and health profile. Some carriers offer immediate decisions for eligible applicants without exams; others require or may require medical evaluation. Each quote indicates the exam status for that carrier and plan.

Choose a term length that aligns with your major financial obligations: a home loan, dependent children, or business debt. Longer terms carry higher monthly cost but guarantee the rate for more years. Experiment with different terms in the quote tool to see the tradeoffs.

No. The quoting process never asks for your contact information. We do not sell, trade or share visitor information. Our measurement system operates without cookies and honors the Do Not Track signal. Review the privacy policy for specifics.