Frequently asked questions

You don't need to. The quoting tool only needs gender, age, your health level in simple terms, tobacco use, how much coverage you want, and how many years you want it for. Those six pieces of information let us show you actual rates from carriers. Your personal details and full health information stay private unless you decide to apply.

The amounts shown come from carriers for the health rating you chose. Once you apply, the carrier's underwriting team will review your full health details and confirm the final rate and rating, which may be better, the same, or different from what's shown here. These quotes are for comparison only and don't guarantee a price.

You enter your name, and we build the application from the exact quote you picked. Then you move to the carrier's secure platform where you complete your full application. You can pause and come back anytime. Everything is signed electronically. Susman Insurance Agency, a California-licensed agency (License 0B75129), handles the whole process.

It varies by the company, the coverage amount, and your health answers. Many carriers have fast-track programs that give answers without an exam for qualified applicants. The quote tool shows for each carrier whether an exam is required, might be needed, or probably won't be needed.

Choose a term that covers the time period when your family would struggle with your income gone: paying off the mortgage, raising kids, or carrying business debt. A longer term costs more each month but protects your rate for those extra years. The tool lets you see costs across 10, 15, 20, 25, and 30-year options side by side.

We don't. The quote tool doesn't even ask for contact information. We don't sell or share what people do on this site, and we track visits without cookies. The privacy page lists everything we do collect and who sees it.