Frequently asked questions

No. The quote tool only needs six pieces of information: your gender, date of birth, general health status, tobacco use, desired coverage amount, and the term length. These answers are sufficient to generate carrier rates. Personal details like your name, address, and specific health information are only requested if and when you decide to submit an application.

The rates displayed reflect what each carrier quotes for your selected health class. After you apply, the carrier performs underwriting, which may confirm the original class, improve it, or adjust it. This site provides estimates for informational purposes only and is not an insurance offer or rate guarantee.

After you click Apply, you'll provide your name and the application is created with your exact quote details. The process then continues on the carriers' secure platform, where you can pause and resume at any time. Electronic signing completes your submission. Susman Insurance Agency, a California-licensed agency (License 0B75129), handles all applications.

The answer depends on the specific carrier, the benefit amount you're requesting, and your health answers. Several carriers offering Immediate coverage can make quick decisions for eligible applicants. Each quote shows whether an exam is required, possibly required, or not required for that particular product.

Choose a term that covers years when your dependents would face financial hardship from your absence: mortgage payments, children at home, or other major obligations. Longer terms mean higher monthly costs but lock in your rate for more years. The quote tool lets you compare costs across 10, 15, 20, 25, and 30-year options side by side.

No. The quote tool doesn't capture contact information, we don't sell or share any user data, and our site measurement doesn't use cookies. For complete details on what information is collected and by whom, see our privacy policy.