Frequently asked questions

No. Just six answers tell us what to quote: gender, birth date, overall health status, tobacco use, the coverage amount you want, and the term length. That's enough for carriers to return their rates. If you choose to apply, we collect your name, address, and the health details they need for underwriting.

These are what carriers quote for the health class you selected. After you apply, the carrier may confirm, improve, or change that class during underwriting, which could change your premium. Nothing here is a guarantee of any specific price, rate, or coverage.

You choose a quote and move into the carriers' secure application system, which opens with the answers you've already given filled in. You can pause and come back anytime. When you're ready, you sign electronically. Susman Insurance Agency, a licensed California agency (License 0B75129), manages the application.

It depends on the carrier, amount, and what you tell us. Many carriers now offer fast paths that skip the exam for applicants who qualify. Each quote shows whether an exam is required, may be required, or isn't required.

It's about which years you need protection for. A term should cover the period when your death would hurt your family most: a mortgage, children still at home, a business loan. Longer terms cost more monthly but lock your rate in longer. The quote tool lets you test 10, 15, 20, 25 and 30 years to see what fits.

No. The quote tool doesn't ask for your email or phone, we don't buy or sell visitor data, and we don't use tracking cookies. See the privacy page for what we do collect and who collects it.