Skip to content

Quote engine

Compare term life quotes.

Six answers, real carrier rates, no contact details required.

Your answers

Gender used for rating
Term length
Your health, honestly
Tobacco or nicotine

Quotes are calculated for California residents. This form does not ask for your name, phone, or email address.

How to read the results

Monthly price is what the carrier quotes for the amount, term, and health class you selected, billed each month. Rate class names the underwriting tier that quote assumes; the carrier confirms the final class after underwriting. Exam shows whether the carrier typically wants a physical; many accelerated programs waive it for eligible applicants. A.M. Best shows the carrier's financial strength rating.

Selecting Apply opens a secure application prefilled with your answers. The carriers' platform runs it and Susman Insurance Agency, a licensed California insurance agency (License 0B75129), handles the submission. You can pause and resume, and nothing takes effect until a carrier issues a policy that you accept.