Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), runs this website. It offers information about life insurance and a quote tool that sends back carrier rates based on your inputs.

Quotes are estimates. Carriers provide these rates for the class you said; they're for information only. They're not an offer of insurance, a rate lock, or a promise you'll be approved. Underwriting determines your actual rate, class, and eligibility; the policy itself and any riders define what's covered.

No coverage starts here. A quote request, an application, or a contact doesn't create insurance. Coverage is born only when a carrier issues a policy that you have accepted and paid for.

What's available changes. Products, carrier presence, prices, and eligibility shift by state, by carrier, and from person to person, without notice. Quotes reflect California.

General information. The guides here are educational only and not legal, tax, or financial advice. Talk to a professional if your situation matters.

Third-party platform. The application page pulls in a secure application platform run by a third party under separate terms.