Frequently asked questions

No. You only need to provide gender, age, health level, tobacco status, desired coverage amount, and preferred term. These six data points are sufficient for the quote tool to return rates from carriers. Your name, address, and medical history are only requested if you choose to proceed with an application.

These prices are quotes from carriers based on the health classification you selected. Your final premium will be determined by the carrier during underwriting, which may confirm, upgrade, or adjust your rate class. The prices displayed here are estimates only and do not constitute a price guarantee or insurance offer.

When you select Apply, your answers populate a secure application hosted by the carriers' platform. You will provide your name and details required for underwriting. The application can be paused and resumed. Your electronic signature completes the application. Susman Insurance Agency (License 0B75129) handles all applications.

It depends on which carrier you choose, the coverage amount requested, and your health history. Some carriers offer accelerated approval with no exam for qualified applicants. Each carrier quote on this site specifies whether an exam is required, possibly required, or not needed.

A term should protect the years during which your death would create financial hardship: mortgage payments, childcare and education costs, or business obligations. Longer terms lock in lower rates but cost more monthly. The quote tool lets you compare 10, 15, 20, 25, and 30 years to find what fits.

No. The quote form does not ask for contact information. We do not share or sell visitor data. Our measurement system is cookie-free. More details are on the privacy page.