Frequently asked questions

Nope—just six pieces: gender, birth date, how you'd describe your health, tobacco habits, the size benefit you want and how long a term you need. That's enough for rates. Detailed health stuff and email show up just if you apply.

Those are what carriers quote for your chosen health level. Your final price gets set by underwriting at the insurer, which might confirm your class, bump it up, or lower it. This page offers zero promises and no contract.

You enter your name and your chosen application launches with your answers filled in on the carriers' system. Pause whenever; you'll sign electronically. Susman Insurance Agency handles it all (License 0B75129).

Depends on the carrier, the dollar amount and your answers. Carriers with instant approval can decide same-day if you're eligible; each rate tells you exam requirements.

Pick a period covering when loved ones would suffer without your income: years of a home loan, kids still at home, company debt. Longer lengths cost more per month yet lock in your rate much longer. Compare 10, 15, 20, 25 and 30 year prices.

Definitely not. Our form skips contact details, we avoid selling or trading personal info and analytics don't use cookies. Privacy info spells out exactly what gets saved and why.