Frequently asked questions

No. To see quotes, you only need to answer six questions: your gender, date of birth, general health level, tobacco use, the coverage amount you want to compare, and the term length. Those answers are sent to get rates from carriers, but your name, address, email and detailed health information are only collected if you choose to apply.

They are estimates: the rates each carrier has quoted for the health tier and coverage you selected. The actual premium depends on what the carrier discovers during underwriting, which may keep, improve or adjust the initial tier. These quotes are for information only and are not a guarantee of any price or approval.

Selecting Apply opens a secure application prefilled with the six answers you provided. It is run on the carriers' application platform and managed by Susman Insurance Agency, a California-licensed agency (License 0B75129). You can pause and return to the application later, fill out additional underwriting details, and sign electronically. Nothing is final until a policy is issued and you accept it.

It depends on the carrier, the coverage amount, and your personal situation. Many carriers now offer accelerated approval for eligible applicants without a paramedical exam, and results can come back the same day. Each quote on this site shows whether an exam is required, possibly required, or not required for that specific product.

It depends on what you need to cover. A term policy should match the years when your family or business would suffer from the loss of your income: a mortgage that will take 15 years to pay, children who need support for 18 more years, or a business loan due in 10 years. The monthly cost is lower for shorter terms but the rate is locked in for fewer years. This site lets you see all five options—10, 15, 20, 25 and 30 years—side by side.

No. The quote tool does not collect your contact information, we do not buy or sell visitor data, and our measurement does not use cookies. Visit the privacy page for a complete explanation of what data is collected and who has access to it.