Frequently asked questions

No. The tool requests six pieces of information: gender, date of birth, your general health level, tobacco use status, the coverage amount you want, and how long a term you prefer. That's all that's needed to fetch carrier rates. We only ask for your name, home address, and complete health history if you choose to apply.

They represent what each carrier quoted for your chosen health classification. After underwriting, the carrier may confirm that class, move you to a better one, or adjust it based on their review. This site provides estimates; the carrier makes the final decision on rate, class, and approval.

You'll enter your name, and the application form gets prefilled with exactly what you answered here. It moves to the carriers' secure underwriting system, where you can pause and return whenever you want. You sign electronically when ready. Susman Insurance Agency, a licensed California agency (License 0B75129), oversees the application.

It varies by carrier, the benefit amount you request, and your specific health profile. Some carriers have rapid-decision programs that skip exams for applicants who qualify; others may require testing. Each quote on this site shows whether that carrier will want an exam, might request one, or won't need one for that product.

A term should match the period when losing your income would create financial hardship: while you carry a mortgage, while children are growing up, while you have business debts. Longer terms cost more monthly but freeze your rate for that additional time. Use the tool to see 10-, 15-, 20-, 25-, and 30-year options side by side.

No. The quote form doesn't capture your name, phone, or email. We don't distribute or resell what you tell us, and our traffic measurement uses no cookies or trackers. Read the privacy policy for the full list of what data flows where.