Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance firm (License 0B75129), runs this website. It offers educational content about life insurance and a quoting tool that pulls rates from carriers based on your answers.

Quotes are estimates only. The rates you see are what carriers have quoted for the rate class you selected, presented for information. They are not a binding offer, a locked-in price, or a promise of approval. The actual premium, final rate class, and eligibility result from the carrier's underwriting process; the issued contract and any amendments take precedence.

Nothing on this site creates a policy. Requesting a quote, applying, or sending a message does not establish coverage. A policy only exists when a carrier issues one and you accept it and pay the premium.

Availability varies. Products, carriers, and rates differ across states and applicants and can change at any time. These quotes are for California residents only.

Educational content only. The guides here provide general information and are not legal, tax, or financial advice. Check anything important with a qualified professional.

Third-party application. When you get to the application page, a third-party secure service loads and runs under its own contract terms.