Frequently asked questions

No. Six answers are all we need: gender, date of birth, your health level in your own words, tobacco use, how much coverage you want, and which term length interests you. The quote tool returns carrier rates based on those six facts. We only collect your name, address and detailed health information if you decide to apply.

What you see are the monthly rates that carriers quoted based on the health class you selected. After your application, the carrier's underwriting may confirm that class, move you to a better one, or place you in a different class. These quotes are for information and comparison; they are not an offer of insurance or a guarantee of what you will ultimately pay.

Choosing Apply opens a secure application on the carriers' platform, prefilled with your answers from the quote. You can work through it, save and come back later, and sign electronically when you are ready. Susman Insurance Agency, a licensed California agency with License 0B75129, handles the application on your behalf.

It depends on the carrier, the coverage amount and your health answers. Many carriers now offer immediate underwriting for eligible applicants, meaning they can make a decision right away without an exam. Each quote displayed on this site tells you whether that specific product requires an exam, may require one, or does not require one.

Choose a term that matches your need. A mortgage, dependent children, or a business loan all have timelines. Term life covers those years when a loss of income would hurt the people you support. If that need ends in 20 years, a 20-year term fits. If it ends in 30 years, choose 30. The quote tool lets you see the price difference across 10, 15, 20, 25 and 30 years so you can decide.

No. The quote tool does not ask for your name or contact details and does not store the answers you give. We do not sell or share any visitor data, and our web measurement uses no cookies or tracking identifiers. The privacy page lists exactly what is collected and by whom.