Frequently asked questions

Absolutely not. The tool collects only six pieces of information: your gender, birthdate, desired benefit amount, term preference, general health description and tobacco use. Everything else - your name, address, phone number and medical records - stays private unless you apply.

These figures represent what the carrier quoted for your selected health category. After your application goes through underwriting, the carrier may confirm that class, move you to a better one, or assign you to a different tier. This site makes no promises about your final cost.

You proceed to a form on the carrier's system that's pre-loaded with your quote responses. From there, the form requests additional details that underwriting requires and walks you through electronic signature. You're working with Susman Insurance Agency, a licensed California operation (License 0B75129), which manages your application.

That depends on the specific carrier, your requested benefit amount and your particular health profile. Today many carriers can approve applicants automatically using application data, medical records from your doctor and other information without requiring a physical exam. The quote results show you which carriers need an exam, which might request one and which can issue without one.

Select a term that matches the period you want protection. If you're covering a mortgage that will be paid off in twenty years, a twenty-year term matches that need perfectly. If you have young children you're raising to independence, calculate when that happens and let the quote tool compare costs across all available terms.

No. We collect nothing from the quote process - no names, no email, no data stored by us. Our traffic counting uses no cookies and respects your do-not-track signals. Nothing gets sold, rented or shared with anyone. Read our privacy policy for the full accounting of what we measure and how.