Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. We only ask for gender, date of birth, your health described simply, tobacco use, how much coverage and how long the term. Those answers go to the carriers' rating system to get quotes. Your name, email, phone and full health records are not needed to see prices.
Are the monthly prices shown the price I will pay?
The prices shown are what each carrier quotes for the health level you selected. After you apply, the carrier will verify your answers and may adjust your rate class. Nothing here is a guarantee or a final quote; the issued policy controls.
What happens when I click Apply?
You select a quote and provide your name. The application opens on the carriers' secure platform, prefilled with what you told us. You can save and come back, and you sign electronically. Susman Insurance Agency (License 0B75129) handles the process.
Will I need a medical exam?
It depends on the carrier, amount and your answers. Carriers with accelerated underwriting can approve some people without an exam using your application, prescription records and other data. Each quote tells you whether an exam is required, might be required, or is not required.
Is a longer term better?
A term should match when you would have financial obligations: a mortgage, dependents, a business loan. Longer terms cost more monthly but keep your rate locked for longer. The quote tool lets you compare 10, 15, 20, 25 and 30 years.
Does this site sell my information?
No. The quote form collects no contact details. We do not sell data, do not use advertising trackers and run measurement without cookies. See the privacy policy for everything we collect and how.