Frequently asked questions

No. The tool gathers gender, age, overall health level, tobacco consumption, amount of protection sought and the duration you want it for. Six data points feed the carriers' quoting engine, which returns coverage prices. If you move forward to apply, that's when your name and other info gets collected.

They're the prices each company quoted for the class you picked. The carrier's underwriting team will confirm your actual class following their review, which might stay the same, get better, or shift. Nothing on this website represents a binding offer or a price guarantee.

Enter your name and build your application from the specific quote you selected, which continues through the carriers' protected portal. You're able to put it on hold and finish later; you'll electronically authorize. Susman Insurance Agency manages processing through their California license (0B75129).

The answer depends on which company, the amount you seek, and how you answer their questions. Most carriers with fast-track options can decide immediately for qualified candidates; specifics show on the quote for every product regarding whether screening is needed, possibly needed or skipped.

Your term duration should align with your biggest financial risks: years left on a home loan, children's dependence, company debts. Going longer locks your rate for more years but raises the payment. Try 10, 15, 20, 25 and 30-year options with the comparison tool.

Absolutely not. The quoting tool never asks for your identity, we don't sell or share user information, and our metrics don't rely on cookies. More detail is on our privacy page about collection and protection methods.