Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. The tool gathers sex, age, overall wellness, cigarette use, the sum you want and how long you'd like protection. Those six answers suffice for carrier pricing. Full name, home address and medical records come only if you move forward to apply.
Are the monthly prices shown the price I will pay?
They're carrier estimates for the health class you picked. The real premium is set by underwriting, which can confirm, better, or adjust the tier. Nothing here is a binding offer or rate warranty.
What happens when I click Apply?
Choosing Apply puts you into a prefilled secure application on the carriers' platform that Susman Insurance Agency (a California-licensed firm, License 0B75129) administers. You can halt anytime and jump back in later, and you'll sign electronically.
Will I need a medical exam?
Depends on your age, coverage request and responses. Nowadays many insurers greenlight qualified applicants without an exam, using application and background info alone. Each quote marks whether an exam is required, might be, or won't be.
Is a longer term better?
Focus on which years matter most—when dependents are young, when a loan is active, when business relies on you. Longer terms are pricier each month but lock your rate longer. Compare 10, 15, 20, 25 and 30-year terms to pick your sweet spot.
Does this site sell my information?
No. We steer clear of selling data, advertising tracking and third analytics. Only the carriers' application portal (and solely if you visit) loads foreign code. Privacy page lays out the complete list.