Frequently asked questions

No. Six pieces of information—gender, date of birth, health status, tobacco history, desired coverage and term length—power the quote. Carrier rates come back from just those answers. Your name and contact information are only gathered if you decide to move forward.

The figures shown are what carriers quote for the health classification you indicated. Underwriting may confirm, improve, or adjust that classification when you apply. The final premium emerges from that process. These quotes are provided for informational purposes and do not constitute insurance coverage or a guaranteed rate.

After you enter your name, the application launches on the carriers' secure platform using the exact quote you selected. You can pause and return later; signing happens electronically. Susman Insurance Agency, a California-licensed agency (License 0B75129), administers the application process.

That varies based on the carrier you choose, the benefit amount, and your health profile. Many carriers featuring Immediate coverage can make instant decisions for qualified applicants; each quote indicates whether an exam is required, might be needed, or is not needed.

Choose a term length matching the period your family would need income replacement: years with mortgage obligations, young children, or business debt. Longer terms carry higher monthly costs but guarantee the rate for more years. The tool lets you compare 10, 15, 20, 25, and 30 year options.

Correct. The quoting tool gathers no contact information, personal data stays private and is never sold, and we measure site visits without cookies. Visit the privacy page for a complete breakdown of what we collect and why.