Frequently asked questions

No. Our system requests only six items: your sex, date of birth, wellness level, tobacco habit, coverage size, and protection duration in years. These six inputs generate carrier quotes without ever asking for your name, location, or detailed medical history—those come only if you proceed with an application.

They represent each company's quoted rate for your chosen risk tier. Following a review of your information, companies finalize the cost and might even place you in a better classification. These displays carry no legal status—they're neither offered nor guaranteed rates.

You'll provide your name, creating a customized application based on the exact quote you selected, which then transfers to the carrier's protected website. You can interrupt and restart whenever you like, completing through an online signature. Susman Insurance Agency—a registered California firm (License 0B75129)—manages this entire application.

That depends on which company you choose, your coverage size, and what you report. Immediate-qualifying carriers resolve applications instantly for accepted candidates—look at the information near each price to verify if testing is required, optional, or unnecessary.

Your duration should span the period when your family would experience financial hardship following your death—consider mortgages, dependent children, business debts. Longer durations increase your monthly expense but lock in your costs for more years. Our quoting system lets you side-by-side compare 10, 15, 20, 25, and 30-year options.

No. Our quoting system doesn't collect your contact information, we don't exchange or sell anything about you, and we measure visits without cookies. The privacy section provides a full breakdown of what data is gathered and which organizations collect it.