Frequently asked questions

No personal details are required. The quote tool needs only gender, birth date, health status, tobacco use, coverage amount and term length. These answers produce carrier rates. Personal information like your name, address or health history is requested only if you choose to proceed with an application.

The prices shown are what each carrier quoted for the underwriting tier you selected. After you apply, the carrier's underwriting process may confirm, adjust or change your class. Quotes on this site are estimates for comparison and are not offers of insurance or guarantees of final cost.

Selecting Apply fills in a secure application with your answers and opens it on the carriers' secure platform. You can pause and return, complete it step by step, and sign electronically. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), handles your application.

This varies by carrier, coverage amount and your specific information. Many carriers now have accelerated underwriting programs and can decide without an exam for qualified applicants. Each quote you receive shows whether an exam is required, possibly required or not needed for that specific product.

A term covers the financial years when your income matters most: a mortgage, dependents at home, business obligations. Longer terms lock in your rate for more years, raising monthly cost but providing security for more of your family's timeline. Compare 10, 15, 20, 25 and 30-year options side by side to see what fits your situation.

Incorrect. The quote tool does not gather contact information. We do not buy or trade visitor data and our analysis is cookieless. Visit our privacy page for the complete list of data collection practices and which parties collect what information.