Frequently asked questions

No. To get quotes, the calculator needs gender, date of birth, overall health status, tobacco use, your desired benefit amount and term length. Just those six pieces of information generate rates. Personal identification like your name, phone number or address is only requested if you decide to move forward with an application.

The numbers shown reflect what each carrier quoted for the health classification you chose. After you formally apply, the actual premium you'll pay is established by the carrier's underwriting team, which may keep your rating, move you to a better class, or adjust it based on complete medical details. This website never guarantees pricing and is not an insurance offer or price promise.

You select the carrier and then go to a protected application that already has your calculator responses filled in. The process stays on the carriers' application system. You're able to pause and come back later, and signatures are completed digitally. Susman Insurance Agency, a California-licensed insurer (Lic. 0B75129), manages the application process.

It's carrier and situation dependent. Carriers with immediate approval capabilities can decide quickly for qualifying applicants without an exam. Your quote will tell you if an exam is required, might be needed, or probably won't be necessary.

Term coverage should span the years when dependents or others would struggle financially if something happened to you: mortgage payments, kids still at home, a business loan. Costs increase for longer periods, but the rate locks throughout the entire term. Compare quotes across 10, 15, 20, 25 and 30 year options using the calculator.

No. The calculator doesn't ask for identifying info. We don't purchase or distribute your data. Our measurement system is cookie-free. Head to our <a href="/privacy/">privacy statement</a> for exactly what gets collected and by whom.