Frequently asked questions

Correct. To generate initial rate quotes, we only collect: your sex, birth date, current health condition, whether you use tobacco, your desired coverage sum, and your preferred term. Name, email and other personal details stay private unless you proceed to apply.

The figures you see reflect quotations from the carriers for your selected health tier and serve only for reference. A carrier determines your ultimate premium after underwriting and may approve your health classification or assign a different one. Nothing offered here constitutes an insurance contract or promised pricing.

When you click to apply, you input your name, then the form opens prefilled with the answers and quote information from your choice. The carriers manage the application process via their own secure system. You have the ability to step away and return anytime before completing. Susman Insurance Agency, a California-licensed insurance firm (License 0B75129), oversees all submissions.

It varies based on your selected carrier, the coverage amount requested, and your responses to health questions. Accelerated programs at many insurers now skip medical exams for qualifying individuals. Each quote clearly indicates whether testing is needed, may be needed, or not needed for that particular policy.

Your term should span the length of time your household would suffer from lost income. Examples include an active mortgage, dependent children, or outstanding loans on a business. A longer duration costs extra each month but guarantees stable rates through more years. The quote tool lets you compare all timeframes from 10 to 30 years to see the difference.

Absolutely not. We never keep personal information when generating quotes, never trade or exchange visitor data with outside parties, and run no tracking cookies. Our traffic analysis uses no cookies and respects Do Not Track signals. Visit our privacy page to see the full accounting of collected data and its purposes.