Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
No. The calculator needs gender, date of birth, health level in plain terms, tobacco use, desired benefit and time period. These six answers are all that's necessary to see rates. Personal information, your address and medical details are only requested if you decide to apply.
Are the monthly prices shown the price I will pay?
What you see represents what each carrier quoted for the health group you chose. Your actual rate after underwriting may be confirmed, upgraded or downgraded depending on the carriers' evaluation. Quotes shown are estimates and do not guarantee a specific price.
What happens when I click Apply?
You provide your name, and the exact quote you selected populates the application. It then moves to the carriers' secure platform. You can pause and return whenever you wish, and signing occurs electronically. Susman Insurance Agency (California License 0B75129) administers the application process.
Will I need a medical exam?
It varies by carrier, amount and your answers. Some carriers can decide immediately for eligible applicants; others require a medical exam. Each quote tells you whether an exam is needed, might be needed, or is not necessary.
Is a longer term better?
Coverage should span the years when your income loss would damage your family: mortgage, kids at home, business debts. Choosing a longer term raises your monthly payment but locks your rate for longer. Check all options: 10, 15, 20, 25 and 30-year terms side by side.
Does this site sell my information?
No. The quote tool never collects your contact information. We keep all user data private, and our tracking system respects do-not-track. Our privacy page lists everything collected and who sees it.