Frequently asked questions

No. The quote tool only needs six pieces of information: your sex, birthdate, self-rated health status, whether you use tobacco, the coverage amount you want, and the policy term that interests you. Your name, address, email and phone number are not collected until you choose to apply.

They represent what each carrier would charge you for that specific coverage amount, term, and health classification. After you apply, underwriting may confirm that class, upgrade you to a better one, or place you in a different class. These quotes exist for comparison purposes only; they are not binding or a guarantee of what you will ultimately pay.

You move to a secure application form filled in with the information you provided. The form asks for the additional details underwriting needs. You can close it and return to finish later without losing your place, and you sign using an electronic signature. Applications are handled by Susman Insurance Agency, a licensed California insurance business (License 0B75129).

That depends on which carrier product interests you, how much coverage you want, and your health history. Many carriers now use accelerated underwriting to decide without a medical exam for younger, healthier applicants below certain coverage limits. The quotes you see will indicate for each product whether an exam is required, might be needed, or is not needed.

The answer depends on your obligations and when they end. Choose a term that covers the years your dependents would suffer most if your income disappeared: a mortgage that will be paid in twenty years, children who will finish school in eighteen years, aging parents you help support. Longer terms lock in your rate for more years but cost more each month. Use the quote tool to compare all term lengths from ten to thirty years.

No. The quote form does not collect names, emails or phone numbers—there is nothing to sell. We do not trade or exchange visitor data with marketers or third-party businesses. We track visits with no cookies or identification markers. For complete details on what information flows through this site and where it goes, read the privacy page.