Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. The tool needs only gender, date of birth, health level, tobacco use, coverage amount and term length. Six facts is enough. Your name and contact details are requested only if you choose to apply.
Are the monthly prices shown the price I will pay?
The figures reflect carrier quotes for your chosen health class. After underwriting, your class and rate may be confirmed, improved or adjusted. This site provides no rate guarantees.
What happens when I click Apply?
You provide your name and select your chosen quote. The application system takes over from there with information already entered. You can save and resume later. Electronic signature completes it. Susman Insurance Agency, License 0B75129, handles your application.
Will I need a medical exam?
This depends on the carrier, amount and your profile. Streamlined systems can approve qualified applicants instantly without a medical exam. Each quote indicates whether the carrier requires an exam, might require one, or does not require one.
Is a longer term better?
Pick the timeframe when protection matters most: during a mortgage, while raising children, or through a business loan. Longer terms lock your rate in longer but cost more monthly. The tool lets you compare 10, 15, 20, 25 and 30-year options.
Does this site sell my information?
No. The quote tool does not save your contact information. We do not sell or distribute user data. Our measurement is privacy-respecting and uses no cookies. See the privacy page for the full list of collection practices.