Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. The quote tool only needs gender, date of birth, health level, tobacco use, coverage and term. Name, address and medical records are gathered only if you proceed to an application.
Are the monthly prices shown the price I will pay?
These represent the rates each carrier quotes for your selected health grade. The carrier's underwriting process sets the actual premium and may confirm, raise or lower your health class. Nothing here guarantees pricing or approval.
What happens when I click Apply?
The quote you selected prefills a secure application run by the carriers' system. You can return and finish later if needed; all signatures are digital. Susman Insurance Agency, a California-licensed firm (License 0B75129), manages the application.
Will I need a medical exam?
That varies by the carrier, the amount and your answers. Some carriers provide same-day decisions for applicants meeting accelerated criteria; others need an exam. Each quote clarifies whether an exam is needed, possible or not required.
Is a longer term better?
Pick the term that covers when your family would suffer from lost income: a mortgage balance, kids growing up, business debt. Longer durations have higher monthly costs but fix your rate longer. Compare 10-, 15-, 20-, 25- and 30-year terms side by side.
Does this site sell my information?
No. The quote system collects no contact information, we don't sell or rent visitor data, and we measure without cookies. Read the privacy page to see exactly what's tracked and by whom.