Frequently asked questions

Not at all. To receive quotes, the tool requires only six pieces of information: your gender, date of birth, your general health status, whether you use tobacco, the coverage amount you want, and the term length you prefer. You won't be asked for personal details like your name, address, or phone number unless you decide to move forward with an application.

The monthly amounts displayed are the premium quotes provided by each carrier for your selected health class. These quotes are estimates only. Your actual final premium and health class are established by the carrier during their underwriting process, which may result in confirmation, improvement, or adjustment of your class. This site does not guarantee any particular price or constitute an insurance offer.

Clicking Apply brings you to a secure application that has already been filled with your answers from the quote tool. You'll enter your name and other details required for underwriting, then continue through the carriers' own secure platform. You have the flexibility to stop and return to complete it later, and all signatures are collected electronically. The entire process is managed by Susman Insurance Agency, a licensed California agency (License 0B75129).

It varies by carrier, coverage amount, and your responses. Some carriers with 'Immediate coverage' programs can make decisions right away for eligible applicants without an exam. Each quote you see indicates whether an exam would be required, possibly required, or not required for that specific offer.

The appropriate term is the one that covers the period when loss of your income would harm the people who depend on it. That could be when a mortgage is still outstanding, while children are at home, or while a business loan remains on the books. Longer-term policies cost more each month but lock in your rate for that extended period. The quote tool allows you to compare 10, 15, 20, 25, and 30 year terms simultaneously.

Absolutely not. The quote tool collects no name, phone number, or email to show you rates. We do not sell or share any visitor data, and our site measurement is completely cookie-free. Read our privacy page for a complete accounting of what information is collected and by whom.