Frequently asked questions

No. The tool only needs your gender, age, health status, tobacco use, coverage size and term years. Six pieces of information suffice to deliver rate quotes. Identification and contact details are requested only if you choose to apply.

The rates shown come from carriers for the tier you selected. These are quotes for information purposes. The carrier determines your final rate after evaluating your application, which may confirm, enhance, or change your tier. No price guarantee or coverage promise is made by this site.

You enter your name, and the platform creates an application using the specific carrier and quote you picked. From there, the secure application system takes over. You can halt and restart whenever needed, and electronic signatures complete the process. Susman Insurance Agency, a California-licensed entity (License 0B75129), manages your application.

This depends on your carrier, amount applied for and health information. Some carriers have expedited systems that make decisions without requiring exams for qualified applicants. Each quote tells you whether that carrier needs a medical exam, might need one, or doesn't need one for that particular product.

The correct duration covers the years your household would struggle if your income ended: paying a mortgage, raising kids, repaying business obligations. Costs rise with longer periods but lock in your rate for more years. Here you can compare quotes for 10, 15, 20, 25 and 30-year terms.

No. The tool doesn't retain your contact details. We don't resell, distribute or retain user information, and measurement uses no tracking cookies. Visit our privacy page for comprehensive information on what is and isn't collected.