Frequently asked questions

No. The tool only requires your gender, birth date, health status, tobacco use, amount and duration. These six pieces of data are all that's needed to produce rates. Contact information is collected only when choosing to proceed with an application.

They represent what each carrier quotes for the health class you selected. After underwriting, the insurer determines the actual class, which may stay the same, improve, or shift upward. The quotes and information presented on this site do not constitute an insurance offer or guarantee of rates.

You enter your name, then the application gets created based on your exact quote choice, transferring to the carriers' secure application tool. Pausing is allowed, and final approval is electronic. The licensed insurance agency Susman Insurance Agency (License 0B75129) processes your application.

It's determined by the carrier chosen, the requested benefit amount, and your answers. Carriers identified as having Immediate options can approve some applicants immediately; every quote shows whether an evaluation is needed, possibly needed, or not needed.

The purpose of a term is to protect against financial loss during years when dependents matter most: while paying a house loan, raising kids, building a business. Longer coverage protects for longer but costs extra each month. Our comparison tool lets you check rates across 10, 15, 20, 25 and 30 year options at once.

No. Your data stays private through this tool (no account information), we don't distribute or trade information, and our tracking doesn't use cookies. Refer to the privacy information for comprehensive details on data handling.