Frequently asked questions

No need to share your name, email, or phone number to see rates. The tool only needs gender, birth date, how healthy you are, whether you use tobacco, how much coverage you want, and the length of the term. That's enough to get quotes back.

Those are the monthly premiums each carrier quoted based on the health class you picked. Underwriting by the carrier may confirm your class, improve it, or place you in a different one, which changes the final amount you pay. Quotes here are estimates only and not a guarantee of any specific price.

You'll move into a secure application pre-populated with what you entered. The platform lets you save your place and come back, and you sign your name digitally. Susman Insurance Agency processes the application once you submit it.

That depends on which carrier you pick, how much coverage you request, and what your health answers are. Many carriers can decide for qualified people without a physical exam these days; each quote shows whether an exam is needed, might be, or probably won't happen.

A 20- or 30-year term locks your rate and covers the years when a family's biggest financial obligations exist—a mortgage, young kids at home, business debt. Longer coverage costs more per month but gives you more years of protection at the same price.

Absolutely not. The quote form collects no contact details, and we don't buy or sell what visitors tell us. Our tracking is cookieless. Read the privacy page for everything this website does and does not track.