Frequently asked questions

No. The quote tool requires only gender, date of birth, self-assessed health status, tobacco use, desired coverage amount, and term length. Those six data points are sufficient to generate carrier quotes. Personal details like name, address, and full medical history are collected only if you proceed to apply.

The prices shown are estimates provided by each carrier for the health class you selected. They serve as information only and are not a guarantee, offer, or promise of coverage. Your final premium is determined by the carrier during underwriting, which may confirm, improve, or adjust your health class. The actual policy issued controls all terms.

Selecting Apply takes you to a secure application form prefilled with the answers you provided. The application runs on the carriers' platform and is handled by Susman Insurance Agency, a licensed California insurance agency (License 0B75129). You can stop at any point, resume later, and sign documents electronically.

That depends on the specific carrier, the coverage amount, and your health answers. Many carriers now offer accelerated underwriting for eligible applicants, meaning no exam is required. Each quote shown on this site indicates whether an exam is required, possibly required, or not required for that particular product.

The right term depends on when you need coverage. A 20- or 30-year term is designed to cover the years when your household would be most vulnerable to the loss of your income: while a mortgage is outstanding, children need support, or a business relies on you. After those obligations end, coverage can expire. The quote tool lets you compare 10-, 15-, 20-, 25-, and 30-year options side by side to see the cost difference.

No. The quote tool does not collect contact information, we do not sell or share visitor data, and our analytics do not use cookies. See the privacy policy for a complete accounting of what is collected and by whom.