Frequently asked questions

To see quotes, you only need to answer six questions: gender, date of birth, your general health, tobacco use, the coverage amount you want, and your preferred term length. Your name, address and detailed health information are collected only if you decide to apply.

The prices displayed are the rates each carrier provides for the health class you indicated. Underwriting by the carrier may confirm, improve or downgrade your class, which changes your final premium. This site makes no guarantee of price and is not an insurance offer or promise.

When you select Apply, you'll provide your name and move into the carriers' secure platform with your quote pre-filled. You can pause and come back, and you'll sign everything electronically. Susman Insurance Agency, licensed in California (License 0B75129), handles the application.

It depends on the carrier, your requested amount, and your health answers. Carriers offering Immediate coverage can approve eligible applicants right away. The quote shows for each option whether an exam is required, might be required, or is not needed.

A term should match the years your family would struggle if you died: a house payment, dependent children, a student loan. Longer terms cost more monthly but keep rates locked in for longer. The quote tool lets you compare 10, 15, 20, 25 and 30 year options from all carriers together.

We do not sell personal information. The quoting tool does not ask for your contact details, we never share visitor information, and our page measurement uses no cookies. Check the privacy page to see the full list of what we track and who has access.