Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. The quote form collects only gender, date of birth, health level, tobacco use, coverage amount and term length. Those details alone are enough to return carrier quotes. Personal information like name, address and full medical history are requested only if you decide to apply.
Are the monthly prices shown the price I will pay?
The amounts shown are carrier quotes for the health class you specified. Your actual premium is determined by the carrier after underwriting, which may place you in a different class. Quotes on this site are estimates for information purposes only and do not constitute an offer of insurance or a price guarantee.
What happens when I click Apply?
You provide your name, and the system creates an application from your selected quote, then opens the secure application platform operated by the carriers. You can pause and return later, and all signatures are electronic. Your application is processed by Susman Insurance Agency, a licensed California insurance agency (License 0B75129).
Will I need a medical exam?
It depends on the carrier, coverage amount, and your health answers. Many carriers now offer accelerated underwriting for eligible applicants without a medical exam. The quote for each product tells you whether an exam is required, potentially required, or not required.
Is a longer term better?
A term length should match the years when others depend on your income or the assets you own. Longer terms lock in a rate for more years but cost more monthly. The quote tool lets you compare 10, 15, 20, 25 and 30 year options from all carriers side by side.
Does this site sell my information?
No. This site does not collect personal details to show quotes, we do not sell or share data with third parties, and our traffic measurement uses no cookies or trackers. Visit the privacy page to see what is collected and how.