Frequently asked questions

No. The quoting tool requires only gender, when you were born, how you'd rate your health, tobacco use, the amount of protection you want, and the time period. These six facts are sufficient for the carriers to return rates. Only if you decide to apply do we collect your name, location, and medical details.

They're the rates carriers quote for the health category you selected. Following the carrier's underwriting review, which may confirm, raise, or lower your category, you'll receive the final rate. This tool doesn't guarantee any rate or ensure coverage.

After you pick a carrier, you move into the secure application platform prepopulated with your answers. The process is flexible—you can exit and return—and you'll authenticate electronically. Susman Insurance Agency, holding California insurance license 0B75129, administers these applications.

The deciding factor is your answers, the carrier, and the amount. Accelerated programs enable carriers to make same-day decisions for applicants meeting age and amount criteria; each rate quote details whether a medical exam is required, possibly required, or unnecessary.

A term should match the span of time when losing your income would be financially damaging: a home loan, minors living with you, a company obligation. Longer terms cost more per month but extend your rate lock. The quoting tool lets you check 10, 15, 20, 25 and 30-year scenarios.

No. Without name or contact info from the quoting tool, we don't sell or distribute your information, and our tracking is cookieless. Visit the privacy statement for the specifics of what we gather and who sees it.