Frequently asked questions

Absolutely not. The quoting system requires just six pieces of information: your gender, date of birth, how you'd rate your current health, whether you use tobacco products, the benefit amount you want, and how many years of coverage you need. That's sufficient for carriers to generate rate quotes. Personal identification, residential address and detailed medical history are only requested if you proceed to apply.

The figures shown are what each carrier will quote for the specific wellness category you indicated. After you apply, the insurance company's underwriting review may result in a different rate class or premium—better, worse, or the same as the estimate. This site provides quotes for informational purposes only and makes no guarantees regarding final pricing or coverage offers.

After providing your name, an application form pops up that includes all the information you entered. The form itself runs on the carriers' secure encrypted system. You're free to pause, exit, and come back to resume later. Electronic signature is used for signing documents. Susman Insurance Agency, holding California License 0B75129, takes care of processing your application once submitted.

That depends on three factors: which carrier you pick, how large the benefit is, and the answers you provided about your health. Many insurance companies now use instant underwriting for qualified applicants and can approve without requiring a medical examination. The quotes on this page note whether each carrier requires a medical exam, might request one, or doesn't need one.

Select a term length that matches the period during which your family would face financial loss if something happened to you. Common reasons include: unpaid mortgage balance, young children still at home, and any business liabilities. Longer coverage periods have higher monthly costs but provide rate certainty over more years. Use our quoting tool to compare pricing across 10, 15, 20, 25 and 30 year options.

Not at all. The quote tool doesn't ask for or retain your name or contact information. We don't purchase, sell, lease or rent visitor information to any other parties. Visitor analytics are tracked without using cookies. Our privacy page has complete details about what we collect and who might access it.