Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. We only need your gender, birth date, general health description, tobacco status, desired coverage amount, and preferred term length. Those six answers are sufficient to retrieve carrier rates from our quoting service. Personal information such as your name, address, or health records are collected only if you choose to proceed with an application.
Are the monthly prices shown the price I will pay?
The amounts displayed represent what carriers are quoting for the specific health class you indicated. The carrier's underwriting process determines your actual final premium following application submission, which may result in the class being maintained, improved, or adjusted. This site does not constitute an insurance offer or guarantee of any specific rate.
What happens when I click Apply?
Selecting a carrier advances you to an application that is already completed with your provided answers. This secure form operates on the carriers' dedicated platform. You have the flexibility to pause and continue later if needed, and you complete your signature digitally. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), manages the application procedure.
Will I need a medical exam?
That determination depends on the carrier you select, your requested coverage amount, and your health responses. Many carriers offer expedited decisions for qualifying applicants without requiring a medical exam. Each quote includes specific information about whether an exam is necessary, possibly necessary, or not required for that particular carrier and product.
Is a longer term better?
The right term should align with periods of financial vulnerability for your household: a home mortgage, dependent children living at home, or outstanding loans. Longer terms mean higher monthly cost but lock your rate for an extended timeframe. The quote tool allows you to see side-by-side pricing for 10, 15, 20, 25, and 30-year options.
Does this site sell my information?
No. The quote form doesn't capture contact information, we don't engage in data selling or sharing, and our site metrics operate without cookies. Please review our privacy page for comprehensive details on information collection practices and responsible parties.