Questions
Frequently asked questions
Do I need to give my name or contact details to see quotes?
Nope. Your gender, date of birth, current health level, tobacco history, how much coverage you want, and what time period you need—six items, not a name or email.
Are the monthly prices shown the price I will pay?
The quote came from the carrier for your chosen health tier. The final rate depends on underwriting and they might revise that tier, meaning your final rate could go higher, stay the same, or improve.
What happens when I click Apply?
You share your name here, and it populates the application. The secure application hosted by carriers takes over next. You can leave and resume anytime. Everything is signed electronically. Susman Insurance Agency is your licensed agent.
Will I need a medical exam?
The answer is carrier, amount, and profile dependent. A lot of major carriers now offer expedited approvals without exams if you qualify. Every quote tells you if an exam is required for that carrier and amount.
Is a longer term better?
A term of your choice covers the years you need it most. Longer terms mean bigger monthly payments but your rate freezes for longer. You get to compare 10, 15, 20, 25, and 30-year terms side-by-side.
Does this site sell my information?
Never. We do not gather names or emails via the quote tool. Your data is not sold, shared, or given away. First-party measurement happens without cookies and respects Do Not Track signals. The site incorporates a cookieless beacon from the content delivery provider that does not read Do Not Track but is designed with privacy—no cookies, no personal identifiers. The privacy page spells it all out.