Frequently asked questions

No, it doesn't ask for that. The quoter collects just six items: gender, date of birth, self-assessed health, tobacco use, amount and term. Six answers are sufficient to pull carrier quotes. Your full name, street address, and health history come into play only if you proceed with an application.

These rates are what each carrier quotes for the class of health you pick. After you apply, the carrier runs their own underwriting process and may confirm, upgrade or adjust your class. This page shows estimates only—not an insurance offer and not a pledge of any price. Underwriting by the carrier determines what you'll truly pay.

After you select Apply, your answers transfer to a secure form run by the carriers themselves, already filled in. The application continues on their system. You can come back and finish it later. When ready, you'll electronically authorize it. Susman Insurance Agency (License 0B75129) oversees the whole process.

It's carrier-specific. The underwriting criteria, amount caps and your health answers all influence this. Some carriers now offer rapid underwriting that decides without requiring a medical visit for eligible candidates. Every quote on this site notes whether an exam is required, possibly needed or not expected.

A term should span the years when dependents or business obligations would suffer if you were gone: a mortgage to pay, children to raise, a debt to service. Longer terms lock in better rates for a greater span; shorter terms cost less monthly. You can compare 10 through 30-year durations here to see the premium shifts.

We don't. The quoter doesn't collect contact information; we don't trade or give away guest information; and our analytics don't use cookies. Visit the privacy section to learn exactly what gets gathered and by whom.