Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. The quote tool needs age, gender, health status, tobacco use, desired coverage, and term length. These six items are sufficient to generate carrier rates. Personal information and health details are collected only if you decide to apply.
Are the monthly prices shown the price I will pay?
They are the rates carriers quote for your selected health class. After underwriting, the carrier may keep, improve, or adjust your class. This site provides informational estimates and is not an insurance offer or rate guarantee.
What happens when I click Apply?
You enter your name, and the application is built from the exact quote you selected. It moves to the carriers' secure application site. You may stop and return later, then sign using your digital signature. Susman Insurance Agency, a licensed California agency (License 0B75129), manages the application.
Will I need a medical exam?
The answer depends on the carrier, the amount, and your information. Carriers labeled with quick approval can decide immediately for qualifying applicants. Each quote displays whether an exam is required, possibly required, or not required for that product.
Is a longer term better?
A term should span the years when someone would face financial harm from your death: loan repayment, children's dependence, business obligations. Longer terms cost more monthly but fix your rate for longer. The quote tool allows you to compare 10, 15, 20, 25 and 30 years across carriers.
Does this site sell my information?
No. The quote tool does not collect contact information, we do not buy or sell visitor information, and our tracking is completely anonymous. Review our privacy page for the complete description of what we collect and who has access.