Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. Six numbers—your age and gender, health level, tobacco use, coverage amount, and term—are sufficient to receive quotes. Your name, phone number, and address are only requested if you proceed to apply.
Are the monthly prices shown the price I will pay?
These are the rates each insurance company quotes for the health class you indicated. The carrier determines your final premium through underwriting, which may uphold, improve, or adjust your class. Nothing displayed on this site guarantees a specific price or constitutes an insurance offer.
What happens when I click Apply?
You enter your name, and the application is populated with your selected quote and your answers, then proceeds on the carriers' secure platform. You can pause and come back to it; all signatures are digital. Susman Insurance Agency (California License 0B75129) processes the application.
Will I need a medical exam?
It varies by carrier, coverage amount, and your answers. Many carriers use accelerated underwriting to make instant decisions for qualified applicants without a medical exam. Every quote on this site specifies whether an exam is required, possibly required, or not required for that product.
Is a longer term better?
A term should align with the years your household would struggle financially if you were not earning. A mortgage you'll pay for 25 years, children who'll need support for 18 years, or a business loan spanning 10 years all benefit from matching coverage. Longer terms cost more per month but preserve your rate across more years. Use the quote tool to compare 10 through 30 years across all carriers simultaneously.
Does this site sell my information?
No. The quote form does not collect identifying information, we do not sell or share visitor data, and we use only first-party, cookieless tracking. Visit the privacy page for the complete list of what we measure and what third parties may access.