Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. The tool requests gender, birth year, health self-assessment, tobacco status, protection size and term years. Those six fields generate carrier rates. Personal name, address and health documentation are only gathered if you go ahead with an application.
Are the monthly prices shown the price I will pay?
They reflect what each carrier offers for the class bracket you picked. Underwriting by the carrier determines the actual premium you'll pay, which may stay the same, move up, or go down. This site does not make any promises regarding price or coverage.
What happens when I click Apply?
Clicking Apply takes you to a safe online application already filled in. The carriers' system hosts it. You can save and come back; you sign with your digital signature. Susman Insurance Agency, a licensed business in California (License 0B75129), runs the process.
Will I need a medical exam?
It depends on the company, the coverage size, and your answers. Carriers using instant approval can say yes right away for eligible people; every rate shows whether an exam is required, might be, or won't be needed.
Is a longer term better?
An extended period protects the years when someone relies on your income: a mortgage you're paying, youngsters at home, company obligations. Longer durations cost more month-to-month but guarantee your rate for more years. Pick from 10, 15, 20, 25 and 30 to examine all options.
Does this site sell my information?
No. This tool does not capture names or contact information, we do not buy or trade your information, and our measurement uses no cookies. The privacy section lists precisely what this site gathers and by which means.