Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. To generate quotes, the tool only needs your gender, date of birth, your health level in your own words, whether you use tobacco, how much coverage you want, and how long a term. No name, phone, or email is required to see rates.
Are the monthly prices shown the price I will pay?
What you see are the rates each carrier quotes for your chosen health class. The final price comes from the carrier's underwriting, which may confirm your class, upgrade it, or shift it. This site makes no promises about premium, coverage or eligibility.
What happens when I click Apply?
You provide your name, and your specific quote becomes the starting point for an application that continues on the carriers' secure platform. You can pause and come back later. You sign electronically. Susman Insurance Agency, a licensed California agency (License 0B75129), processes applications.
Will I need a medical exam?
That depends on the carrier, amount, and your answers. Many carriers now offer fast-track decisions without exams for qualified applicants. Each quote on this site indicates whether an exam is required, might be needed, or is not expected.
Is a longer term better?
Pick the term based on the obligation it covers. If the need ends—a mortgage gets paid off, kids graduate, a business loan matures—the term should match. Longer terms cost more each month but lock the rate in for longer. The quote tool lets you check 10, 15, 20, 25 and 30 year options side by side.
Does this site sell my information?
No. The quote tool never collects a name, phone or email. We do not sell, buy or trade personal data. Measurement on this site is cookieless. See the privacy page for the complete accounting of what is collected and by whom.