Frequently asked questions

No. The quote tool asks six things: your gender, date of birth, how you'd describe your health, whether you use tobacco, how much coverage you want, and how many years you want it for. Those answers alone are enough to show you what carriers charge. Your name, address, and medical history stay private unless you decide to apply.

The quotes shown are what carriers offer for the health category you picked. After you apply, the actual premium depends on what the carrier discovers during underwriting, which can confirm, improve, or change your category. These quotes are estimates for comparison only, not a binding offer or a guarantee of price.

You will enter your name and pick which carrier's quote you want to use, then continue into a secure application that's already filled with your answers. You can pause and come back; you sign everything electronically. The application is handled by Susman Insurance Agency, a licensed California insurance agency (License 0B75129).

It depends on the carrier you choose, the coverage amount, and your answers. Many carriers now offer accelerated underwriting that skips the exam for eligible applicants and decides based on your application and records instead. Each quote shows whether that carrier expects an exam, might ask for one, or won't need one.

A term should cover the period when your family or business would hurt most from losing your income: a mortgage to pay off, children to raise, a business loan to meet. Longer terms lock in a lower monthly rate for more years, but cost more each month. The quote tool lets you compare 10, 15, 20, 25 and 30 year terms side by side to see what fits.

No. The quote tool never asks for your name or email just to see rates. We don't buy, sell, or trade visitor information. Our measurement is cookieless and respects Do Not Track. See our privacy page for a complete list of what this site collects and who can see it.