Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. Six items suffice: sex, birthdate, health status, smoking history, coverage amount and term. Your name, location and health info are requested only if you decide to submit an application.
Are the monthly prices shown the price I will pay?
These are the premiums carriers quote for your selected health tier. Underwriting by the carrier determines your final rate and class, which may shift up or down. This site makes no offer or guarantee regarding price or coverage.
What happens when I click Apply?
You supply your name, the system builds the application from your chosen quote, and it moves to the carriers' secure system. Pause and return anytime; signatures are digital. Susman Insurance Agency (License 0B75129) manages the process.
Will I need a medical exam?
Depends on the insurer, your benefit level and profile. Those offering Immediate coverage may decide fast for eligible folks; each quote shows the exam status for that carrier and product.
Is a longer term better?
Choose a term spanning the years your death would create hardship: unpaid mortgage, dependent kids, business debt. More years mean higher monthly payments but guarantee a locked rate longer. Compare 10, 15, 20, 25 and 30-year options in the quote tool.
Does this site sell my information?
No. The tool gathers no contact info, we never sell or trade data, and analytics run cookie-free. Check the privacy page for the complete accounting of data sources and uses.