Frequently asked questions

No. To receive quotes, the tool requests just six pieces of information: your gender, birth date, your perception of your health, tobacco use status, the coverage amount you want, and the duration of coverage. A name, address, phone number or email is not needed to generate quote results. If you decide to submit an application, only then will you be asked for personal details.

The quotes reflect rates carriers offered for the health classification you indicated. After you submit an application, the insurance company conducts its own health review, which can result in the rate tier being confirmed, improved, or changed. Quotes shown here are estimates for reference and don't guarantee a specific price or coverage level. Any policy that is actually issued and the terms it contains are what counts.

Clicking Apply transfers you into a secure application program managed by the carriers, with your provided answers already filled in. The application process lets you stop and return whenever you want, and you'll sign using electronic signature. Susman Insurance Agency, a licensed California insurance agency (License 0B75129), processes the applications.

The answer depends on which carrier and the coverage amount you're getting. Term policies that let applicants skip the exam (called accelerated or expedited underwriting) often work for younger people in good health applying for amounts under the carrier's limit. Each quote on this page states whether a test is required, sometimes necessary, or not going to be requested.

Choose based on when you'll need protection. A 20- or 30-year term works well if you're protecting against a financial hardship that will eventually resolve—a mortgage to be paid off, children to be raised to adulthood, or a company loan. Longer periods lock in your rate for a longer stretch, but cost more monthly. You can compare every option from 10 to 30 years here.

We don't buy or sell private data. The quoting tool doesn't ask for personal information, we don't sell your data to anyone, and we don't track visitors with cookies. Our traffic counting is private and anonymous. Look at the privacy page for a complete list of what's gathered and by whom.