Frequently asked questions

Correct. The quoting tool collects just six data points: gender, date of birth, overall health status, tobacco consumption, target death benefit amount, and desired coverage period. That's sufficient to receive quotes from carriers. Personal identifying information—name, street address, detailed medical history—remains private unless you proceed to apply.

They represent what each insurance company is quoting for the underwriting class you selected. After your application is evaluated by underwriting, the carrier may confirm that class, improve it, or lower it based on their own assessment. This website makes no promises regarding pricing or approval.

After you submit your name and select a specific quote, the application is generated directly from that selection and transferred to the carriers' secure online application environment. You're free to pause and pick up later, and you'll sign all paperwork electronically. Susman Insurance Agency, holding California License 0B75129, oversees applications.

The timeline depends on the specific carrier, your requested amount, and what you reported in your answers. Some carriers with expedited pathways can deliver immediate decisions for eligible applicants; the quotes clearly note whether an exam is needed for certain products, might be needed, or is typically waived.

Select a term that covers the period when your dependents would face hardship if you passed away: your mortgage payoff period, while kids are growing up, during outstanding business obligations. Longer terms lock in your rate for more years but require larger monthly payments. On this site's quote form, you can easily stack 10, 15, 20, 25 and 30-year options side-by-side.

No, we do not. The quote tool never asks for names or contact information; we maintain no directory of visitors or their data, and our tracking is completely cookie-free. Visit the privacy statement for a complete rundown of what's recorded and who sees it.