Frequently asked questions

No. The tool collects only your age, general health in your words, tobacco use, coverage amount and duration. That data is enough to return rates. Personal information like name, address and medical history is only gathered if you proceed to apply.

These are carrier quotes for your chosen health class and are informational only. The carrier might confirm, upgrade or adjust your class after underwriting, which determines the actual cost. This site does not constitute an insurance offer or guarantee a price.

You provide your name and the system creates an application from your selection, then continues through the carriers' protected application environment. You may stop and restart; everything is signed electronically. Susman Insurance Agency, License 0B75129, manages the process.

Depends on the carrier, amount and your answers. Many insurers now offer instant approval for eligible applicants without an exam; each quote indicates if an exam is required, possibly needed, or unnecessary.

Your term should span the years your household would suffer from your death: a home loan, minor children at home, business obligations. Longer terms lock rates longer but cost more per month. Use our tool to test 10, 15, 20, 25 and 30 year options side-by-side.

No. The quote tool collects no contact information; we do not share or sell data; our measurement has no cookies. The privacy page lists exactly what data is captured and who sees it.