Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. The quote screening collects only the six questions needed to generate rates. Applying happens only if you choose to move forward, and that is when you provide your name and medical background.
Are the monthly prices shown the price I will pay?
Those are the rates quoted by the carrier for your chosen health grade. The actual premium is determined by the carrier during underwriting, which may confirm, improve or worsen your classification. Nothing here is a guarantee or bid; visit our legal page for complete disclaimers.
What happens when I click Apply?
You select the carrier's quote you want, provide your name, and the application opens from that exact quote with all your answers pre-filled, managed by a certified insurance agent. You can log out and return later, and sign electronically. Susman Insurance Agency (License 0B75129) manages the application.
Will I need a medical exam?
It depends on your age, your benefit amount and your health profile. Carriers with "Immediate" decisions can approve you instantly if you are eligible; every quote specifies if testing is needed, possibly needed, or not needed for that plan.
Is a longer term better?
Choose a term that covers years during which your household depends on your earnings: a 30-year mortgage, young kids, a business responsibility. More years cost higher monthly fees but protect the amount for longer. Our quote tool lets you put 10, 15, 20, 25 and 30-year terms next to each other.
Does this site sell my information?
No. The rate calculator doesn't ask for contact info, we keep no records of who visits, and tracking is cookie-free. Check our privacy policy to see the full list of information we keep and from whom.