Frequently asked questions

No personal identification needed. The quote tool collects only gender, birth date, your health status, tobacco use, desired coverage, and term preference. These six data points are sufficient for carriers to return their rates. Complete information is requested only if you choose to complete an application.

Prices displayed are carrier quotes based on the health class you selected. Your carrier's actual offer will be determined after their underwriting review, which may confirm, upgrade, or downgrade your class. Everything shown here is for comparison purposes only and is not an insurance offer or price pledge.

You'll provide your full name and then move into a secure online form built from your earlier answers. The application runs through the carriers' platform and you're able to stop and pick it up again. Your signature is added electronically at the end. Susman Insurance Agency, a licensed California agency (License 0B75129), manages all applications.

The carrier, coverage amount, and your specific health situation all play a role. A large number of today's carriers provide rapid approval for eligible applicants without an exam requirement. The quote you see here will specify whether that carrier typically requires an exam, might need one, or provides immediate coverage.

Choose a term that covers the years when losing your income would cause real financial harm: mortgage payments, kids at home needing support, business loans tied to your earnings. Longer terms come with higher monthly payments but lock in that rate for more years. The tool lets you look at 10, 15, 20, 25, and 30 year options side by side.

No. Your answers in the quote tool are not stored by us and we don't collect, buy, or exchange any visitor information. Our site tracking doesn't use cookies. Complete details on what is tracked and who by can be found in our privacy policy.