Frequently asked questions

No. The quoting tool asks only for your gender, birth date, self-described health level, tobacco use, coverage amount and term preference. Those six pieces of information are sufficient to retrieve carrier rates. Your name, address and detailed health information are requested only if you decide to apply.

These are the rates each carrier has quoted for the health class you selected. The actual premium you'll receive is determined by the carrier's underwriting process, which may confirm your class, move you to a better class, or adjust it. These quotes are for information and comparison only; they are not insurance offers or price guarantees.

Selecting Apply moves you into a protected application that is already filled with the answers you gave on this site. The application runs on the carriers' platform and you can pause and return to it anytime. Your signature is completed electronically. Susman Insurance Agency, a California-licensed agency (License 0B75129), handles the application process.

It depends on the carrier, the benefit amount you're applying for, and your medical history. Many carriers now have accelerated underwriting programs that issue decisions quickly for qualifying applicants without a paramedical exam. Each quote here indicates whether an exam is required, possibly required, or not required for that specific product.

A term should match the years when a family would be harmed by the loss of your income: a mortgage balance, children in school, a business loan. Longer terms lock in a lower rate for more years, but cost more each month. The quote tool lets you compare 10, 15, 20, 25 and 30 year terms to find what works for your situation.

No. The quote tool does not ask for any contact information, we do not sell or share personal data, and our measurement of website use has no cookies or tracking. Visit the privacy page for details on what is and is not collected.