Frequently asked questions

No need. The quote tool only needs gender, date of birth, your general health, tobacco use, coverage amount and term length. These six pieces of information are sufficient to provide carrier rates. Your name, address, and complete health information are requested only if you decide to proceed with an application.

The amounts shown represent quotes each carrier provides based on the rate class you selected. Your actual premium will be set by the carrier following underwriting, which may result in a rate class confirmation, improvement, or adjustment. The content here is for informational purposes only and does not constitute an insurance offer or price guarantee.

Clicking Apply takes you to a secure application prefilled with the information you provided here. The application runs on the carriers' platform and can be paused and resumed. You will sign electronically when ready. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), handles the application processing.

This depends on factors including the carrier, coverage amount you select, and your responses. Many carriers now provide immediate coverage options for eligible applicants through accelerated underwriting, which may avoid the need for an exam. The quote details specify whether an exam is required, possibly required, or not needed for each product.

A term should match the years when financial hardship from your death would impact your family: outstanding mortgage, dependent children at home, or business obligations. Longer terms cost more monthly but guarantee your rate for a greater number of years. The quote tool allows you to compare 10, 15, 20, 25 and 30 year options side by side.

No, we do not. The quote tool requires no contact information to view rates, we do not sell or share any visitor information, and our site measurement uses no cookies. Check our privacy page for a complete description of what information is collected and who collects it.