Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
Nope. Six fields: gender, DOB, health self-assessment, tobacco, benefit size, term years. That's enough for rates. Name, address, medical history stay private unless you apply.
Are the monthly prices shown the price I will pay?
What you see is each carrier's quote for your chosen class. Underwriting finalizes the actual premium and class (might go up, down, or stay). These are quotes only, not offers or guarantees.
What happens when I click Apply?
You provide your name, and the application is built from the quote you picked, then moves to the carriers' secure platform. You can pause and come back, and you sign electronically. Susman Insurance Agency, a licensed California agency (License 0B75129), handles the application.
Will I need a medical exam?
It depends on the carrier, your coverage amount, and your answers. Carriers with instant approval programs can decide right away for qualified people; each quote shows whether an exam is needed, might be, or isn't.
Is a longer term better?
Choose the term matching your obligations: mortgage due, kids needing support, business loan in place. Longer = pricier/month but longer rate lock. Compare all five terms (10/15/20/25/30) here.
Does this site sell my information?
Nope. Quotes collect zero ID, we never sell or share, cookies don't track you here. Privacy page spells out what's tracked and who gets access.