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 apply to California residents only. You won't be asked for your name, phone number, or email to view rates.

How to read the results

Monthly premium shows the carrier's price for your chosen amount, period, and health class, charged each month. Rate class is the underwriting tier the quote assumes; the actual class emerges from underwriting. Exam indicates if the carrier typically requires medical testing; accelerated products often waive it for qualified applicants. A.M. Best measures the carrier's financial strength.

Clicking Apply launches a secure form prefilled with your previous responses. The carriers' platform runs the application, managed by Susman Insurance Agency, a licensed California insurance firm (License 0B75129). Stop and resume as needed. No obligations attach until a policy is issued and accepted by you.