Frequently asked questions

No. Just provide your gender, when you were born, the dollar amount and length of coverage you want, your self-assessed health status, and tobacco use. Six inputs fetch rates. Name, mailing address and health specifics go in only if you submit an application.

These reflect what each carrier quotes for the health group you told us. An insurer decides your real premium and class through underwriting—they might approve your class, boost it, or lower it. This isn't a binding offer and doesn't guarantee any amount.

Enter your name, the application builds from your picked quote, and it goes to the carriers' server. You can pause and pick it back up, and signing is in your browser. Susman Insurance (License 0B75129) manages the process.

Depends on the firm, the size, and your answers. A bunch of carriers do no-exam decisions these days—eligible applicants are decided using your input, prescription database, driving history and other info in place of a medical test. Your quote says whether one is required.

A term covers the period when losing your paycheck would break the family or business: debt remaining, kids still dependent, a company loan. Per-month costs climb for longer periods, but you fix the rate for that span. The tool helps you contrast 10-, 15-, 20-, 25-, and 30-year selections.

Nope. The quote tool won't ask for contact details, we don't purchase or hand off visitor stats, and our measurement doesn't have cookies. The privacy section lists everything we track and who accesses it.