Frequently asked questions

The tool requires just six data points: gender, birth date, health level, tobacco status, desired coverage amount, and how many years of coverage. That's all we need to generate quotes—personal identifiers like your name, street address, or health history are only requested if you proceed to apply.

Each quote reflects what a specific carrier would charge at the rating you selected. A carrier may adjust your rating tier during underwriting, which affects your final cost. The information displayed here is for comparison purposes and is not a binding insurance offer or rate guarantee.

You'll enter your name and the application begins using the specific quote you selected. The app populates with your answers and moves forward on the carriers' platform. You're free to pause and come back later to finish, and signatures are completed digitally. Susman Insurance Agency (License 0B75129) manages the entire process.

The answer varies: it depends on the carrier, how much you're applying for, and your responses. Several companies now offer accelerated approval processes that don't require an exam for qualifying candidates. Each quote on this site indicates the exam status for that specific product.

Select coverage to span the period when your dependents would suffer financially from your absence—think a remaining mortgage, kids still at home, business debts. Prices rise monthly with extended terms, but your rate stays locked in longer. Use the quoting tool to view all options from 10 through 30 years side-by-side.

No. The quoting calculator doesn't request personal contact information, we don't purchase or resell any visitor information, and we use cookieless analytics. Review the privacy page for complete details on what information flows where.