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 available for people living in California. We won't ask for your name, phone number, or email to show you what rates cost.

How to read the results

Monthly cost is what the carrier is quoting for your chosen amount, term, and health classification, assuming a monthly payment schedule. Rate class is the underwriting category the quote is based on; the carrier verifies this once they review your file. Medical exam tells you if the company expects to send a paramedical examiner; a lot of accelerated programs skip this step for people who qualify. A.M. Best rating measures the carrier's financial stability.

Click on Apply and your answers automatically load into a secure application form run by the carriers' own platform. Susman Insurance Agency, a California-licensed brokerage (License 0B75129), handles your application. You can step away and come back later, and you won't be bound by anything until a carrier offers and you accept a final policy.