Frequently asked questions

No. Six pieces of information are all the quote tool requires: your sex, birth date, your health status in plain terms, tobacco use, the death benefit you want, and the number of years of coverage. Those six answers are sufficient for the carriers to return pricing. Personal information like your name, where you live, and detailed health records are requested only if you go ahead with an application.

These represent what each company would charge for the health bracket you picked. After you submit an application, the insurer does its own underwriting and may confirm, improve, or shift your classification. What you see here is an estimate for comparison purposes. This website makes no insurance offer and guarantees no specific rate or cost.

You supply your name, and the system generates an application based on the specific quote you selected. From there, you go into the carriers' private, encrypted application system. The process is flexible: you can pause whenever you like and pick up later. You'll verify your identity using an electronic signature. Susman Insurance Agency, License 0B75129, manages the complete application workflow.

Whether an exam is required depends on the insurance company, the benefit size, and what you report on the form. Many carriers have streamlined approval paths for qualified applicants and can decide immediately. The information next to each quote tells you the exam expectation: whether one is definitely required, might be needed, or isn't necessary for that product.

The right term length matches when loved ones would suffer financially from your loss: when you're paying off a house, raising children, or supporting a business. Extending the term raises your monthly cost but secures your rate over a longer span. The tool here allows you to see all five standard timeframes—10, 15, 20, 25, and 30 years—side by side so you can weigh the tradeoffs.

No. The quoting system requests only the minimum to return rates; it doesn't request or save contact information. We do not trade, sell or give away any user information. Our analytics do not use cookies or trackers. Visit the privacy page to learn exactly what information is gathered and which organizations have access to it.