Frequently asked questions

No. You only need to provide gender, birth date, your general health status, tobacco use, desired coverage amount, and term length. Six answers are sufficient to get carrier rates back. Personal details like your name, address, or full health history are only collected once you decide to move forward with an application.

The prices shown are the rates that carriers quote for the health class you indicated. Your actual premium will be determined by the carrier during their underwriting process, which may keep the same class, move you to a better one, or adjust it. The rates on this site are estimates for comparison purposes and are not a guarantee of any specific price or an insurance offer.

You will enter your name and proceed into a secure application that starts with the exact quote and information you selected. The application continues on the carriers' secure platform, where you can pause and come back to it anytime. You sign everything electronically. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), handles the application process.

It varies by carrier, coverage amount, and your health answers. Many carriers now offer immediate underwriting for eligible applicants without an exam. Every quote shown on this site indicates whether that particular carrier will require an exam, might require one, or can skip it for you.

Choose a term that matches the years when people depend on your income: a mortgage to pay off, children to raise, a business loan to cover. Longer terms mean higher monthly premiums but lock in your rate for more years. This tool shows side-by-side pricing for 10, 15, 20, 25, and 30-year terms so you can see the trade-off.

No. To get quotes, you never need to share your name, email, or phone number. We do not sell or share your information, we do not use advertising trackers, and we do not keep visitor data. Our measurement system uses no cookies. Visit our privacy page to see exactly what is and is not collected.