Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. Providing your gender, birth date, general health level, tobacco use, desired benefit amount and term length is all the quote tool needs. Your name, address and medical information are only required if you proceed to apply.
Are the monthly prices shown the price I will pay?
Each carrier provides quotes based on the health class you selected. Underwriting may then confirm, improve or adjust your class. The final premium is set by underwriting, not guaranteed by the quote.
What happens when I click Apply?
You'll continue into a secure application prefilled with your responses, run on the carriers' platform. You can pause and return, and you electronically sign. Susman Insurance Agency, a licensed California agency (License 0B75129) oversees the application.
Will I need a medical exam?
The carrier, amount, and your information determine this. Some carriers offer accelerated underwriting for qualified candidates with no exam needed. Your quote specifies whether exams are required, possibly required, or not required.
Is a longer term better?
A term should match the period when your family would suffer from lost income: mortgage years, children at home, business debts. Longer terms cost more monthly but keep your rate locked. The tool shows 10, 15, 20, 25 and 30-year costs side-by-side.
Does this site sell my information?
No. The quote form collects no contact information, we don't share visitor data, and measurement is cookieless. Review the privacy page for a complete list of what is collected and by whom.