Frequently asked questions

No. The quoting process only needs six pieces of information: your gender, birth date, general health status, tobacco use, desired coverage amount, and policy term. That's sufficient to generate quotes from our carriers. Personal details like your name, address, and complete health information are requested only when you opt to submit an application.

These are quotes provided by each carrier based on your chosen health classification. Your actual premium will be determined by the carrier's underwriting process, which may move you into a better or different class. This information is provided for educational purposes and does not constitute a guarantee, offer, or insurance quote.

Your name is collected, and we use it to build an application based on your selected quote. You then move into the carriers' encrypted application system where you can proceed, pause, or exit at any time. You'll sign your submission electronically. Susman Insurance Agency, a California-licensed firm (License 0B75129), manages all applications.

That depends on your chosen carrier, the amount you're requesting, and the health profile you provide. Some carriers now offer fast-track approval for qualified applicants without a medical exam; the details are shown on each quote, indicating whether an exam is mandatory, possibly required, or not required.

A policy's term should match the period during which your family or business would suffer significant hardship from your death—typically covering a mortgage, dependent children, or a business obligation. Longer terms mean higher monthly payments but secure your rate for more years. Our quote tool lets you evaluate 10, 15, 20, 25, and 30-year options side-by-side.

No. Quotes are obtained without collecting your personal information. We don't sell or share data, and our analytics system doesn't use cookies or tracking. Check our privacy policy for complete details on what data we collect and how it's used.