Frequently asked questions

No information about you is needed to see quotes. The quote tool only needs your gender, birth date, how you'd describe your health, whether you use tobacco, how much coverage you're looking for, and how many years you need it for. That's all carriers need to calculate rates. We only ask for your name and contact information if you decide to apply.

What you see are the rates the carriers quote for the health class you chose. Each carrier sets the actual final premium after they review your application, and they may confirm, improve or lower your health rating. The quotes on this site are estimates for comparison purposes only and do not guarantee any price.

You'll choose a carrier from the quotes, enter your name, and the application is built from exactly the quote you picked. Then you move into a secure application on the carriers' platform. You can pause and come back, and you'll sign electronically. Susman Insurance Agency, a licensed California agency (License 0B75129), handles the application.

That depends on which carrier you choose, how much coverage you want, and what you tell them about your health. Many carriers now use accelerated underwriting for eligible applicants and can make decisions without an exam; some take just hours. Your quote tells you whether each carrier requires an exam, might ask for one, or probably won't need one.

A term should match the financial obligations your death would create: paying off a mortgage, raising and educating children, supporting a spouse's transition. Longer terms lock in your rate for longer, which costs more each month but gives you protection when you need it most. The tool lets you compare 10, 15, 20, 25 and 30 years so you can see the tradeoff.

No. We don't collect contact details through the quote tool, we don't sell or share any visitor information, and we measure visits without cookies. Read the privacy page for the full details on what is and isn't collected.