Frequently asked questions

No. To see quotes, the calculator needs gender, date of birth, a general health level, tobacco consumption, the amount you want to insure, and the term length. These six pieces of information are sufficient for the carriers to return a quote. Detailed health information, your name, and address are only gathered if you choose to proceed to the application.

These are the rates a carrier quotes for the rating category you selected, offered as estimates. After underwriting, the carrier determines your final rate and category, which could confirm, enhance, or revise the initial class. The quotes on this site are for estimation and are not an insurance contract, a pricing commitment, or a promise of approval.

You supply your name and the quote you selected is used to begin the application, which then continues on the carriers' application system. You have the flexibility to save your work and come back later, and documents are signed electronically. Susman Insurance Agency, a California-licensed insurance firm (License 0B75129), manages the entire application flow.

That depends on which carrier you select, the coverage amount, and the details of your answers. Some carriers now offer expedited decisions for eligible applicants without requiring an exam; others request one, request it possibly, or don't require it at all. Each quote on the site indicates the carrier's exam requirement for that particular offering.

Pick a term that covers the years when losing your income would cause serious hardship: paying a house loan, raising dependent children, repaying business debts. Longer periods lock in a consistent rate for more years but cost proportionally more each month. The quote tool enables side-by-side comparison of 10, 15, 20, 25, and 30-year options.

No. The quote tool requires no contact data. We do not buy, trade, or divulge personal information. Visitor measurement on this site is cookieless. For specifics on what is and isn't gathered, visit the privacy policy.