You can quickly get a quote on our site by answering a few basic questions about yourself to get an idea of how much your monthly premiums could be. However this is an estimate based on the info you provide in the quote tool. When you submit your application, it’s sent to an underwriter whose job it is to review your information and to calculate the cost of insuring you. Your cost is based on a number of factors, including the term length you select, your medical history, health, age, and lifestyle. You can read more about the underwriting process and how your final price is determined here.