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Monthly price is the quoted premium for the benefit, duration, and health category you chose, paid each month. Rate class refers to your assigned underwriting bracket; the carrier validates this post-underwriting. Exam indicates whether a paramedical screening is anticipated; many fast-track options waive it for qualified people. A.M. Best reflects the firm's fiscal stability grade.
Selecting Apply launches a secure form pre-loaded with your information. The carriers' secure system runs it, and Susman Insurance Agency, a licensed California firm (License 0B75129), oversees the process. Breaking off and returning later is permitted; binding takes place only when a policy is delivered and you acknowledge it.