Frequently asked questions

No contact information is necessary. The six-question format—gender, date of birth, general health status, tobacco history, desired coverage amount, and term selection—provides enough information for carriers to generate quotes. Complete contact information is gathered only if you proceed to an application.

The figures displayed represent what each carrier is quoting based on your selected health classification. Your actual premium will be determined by the carrier through underwriting, which could result in a different rate tier or cost. All quotes shown are estimates and do not constitute an insurance offer or price guarantee.

Supply your name and the system generates an application based on the specific quote you selected, which then moves to the carriers' protected platform. Progress can be paused and restarted; signatures are completed digitally. Susman Insurance Agency, a California-licensed insurance firm (License 0B75129), handles the application.

This depends on the specific carrier, the requested coverage amount, and your personal health information. Some carriers with Instant Coverage programs can approve eligible applicants immediately; every quotation on this site indicates if an exam is required, conditional, or unnecessary.

A term's duration should align with your financial responsibilities: a home loan, school-age children, or significant business commitments. Premiums increase with longer durations but lock in your rate for the extended period. Side-by-side comparisons of 10, 15, 20, 25 and 30-year options are available in the quote tool.

Absolutely not. Information from the quotation tool is never retained, we maintain strict policies against data trading or sharing with third parties, and our traffic measurement does not use cookies. Refer to our privacy statement for complete transparency on what data is collected and by whom.