Frequently asked questions

No. The tool needs only six pieces of information: your gender, when you were born, how you would describe your health, whether you use tobacco, how much coverage you want, and what term length appeals to you. Answer those and you get rates from the carriers. Names, addresses, and full health records stay private unless you move forward to apply.

The prices shown are what carriers quote for the health level you chose. That quote is the carrier's estimate, not a promise. Once you apply, the carrier's underwriting team reviews your full health history and may confirm your class, move you to a better one, or ask for more information. The issued policy's actual premium is what you'll pay. No number on this site is a guarantee or an offer of coverage.

Clicking Apply creates a secure application prefilled with the answers you just gave. It opens on the carriers' platform, and you keep going from there, filling in the details underwriting needs. You can leave and come back anytime to finish. When you are ready, you sign electronically. Susman Insurance Agency, a licensed California agency (License 0B75129), handles the application on your behalf.

It depends on the carrier, the coverage amount you want, and your health profile. Many carriers now offer accelerated underwriting that skips the exam for eligible applicants, using prescription records and other data instead. Each quote on this site tells you whether the carrier expects an exam, might ask for one, or does not need one for that product.

A term should match the period when your death would hurt the people who depend on you-while you are paying a mortgage, while children are at home, while a business relies on you. Choosing 10, 15, 20, 25 or 30 years is not about what sounds good; it is about when that need actually ends. Longer terms cost more each month but lock your rate in for the whole period. The quote tool shows you the cost difference across all five term lengths so you can choose the one that fits.

No. This rate tool requires no contact information. We don't sell data and don't share visitor information. Our measurement respects Do Not Track and Global Privacy Control signals at the first-party level, though a cookieless page-view beacon from our content delivery provider does not read those signals. Full details are on the privacy page.