Frequently asked questions

Not at all. Just six fields: your gender, date of birth, self-assessed health, whether you use tobacco, how much coverage you want, and how long you want it to last. That's sufficient for the carriers to return quotes in moments. Your personal details—name, address, thorough health records—remain confidential unless you move to the application step.

These are the monthly premiums the carriers quote for your selected health tier. Once you apply, that carrier's underwriting team reviews your full picture and may keep your tier, upgrade it, or place you in a different one. Your actual premium depends on what they conclude; these figures are information only, not final pricing or an approval guarantee.

Clicking Apply takes you into a secure online form that already has everything you typed in. It runs on the carriers' protected system and asks for the details their underwriters need. You can stop anytime and return later. All signing is digital. Susman Insurance Agency (License 0B75129) guides you through it.

It varies by carrier and the amount you're asking for. Many carriers today offer accelerated underwriting: if you're in the right age range and amount range, they decide based on your application, prescription history, driving record, and other data—no exam required. Each quote tells you whether that carrier will request an exam, might ask for one, or won't need one.

Pick a term that covers the years your dependents would really need your income. While you're paying a mortgage, while kids are at home, while a business is young—those are the years that count. Longer terms cost more monthly but lock your rate for more years. Use the quote tool to compare 10, 15, 20, 25, and 30-year options and see what suits your situation.

We do not. Quotes don't require your name, phone, or address. We do not sell what you share, do not share it with others, and track page visits without cookies or individual tracking. The privacy page has the full list of what the site collects and who can see it.