Terms

Terms of use

Susman Insurance Agency, licensed in California (License 0B75129), operates this site. It offers general information about life insurance and a tool that delivers carrier quotes from your answers.

Quotes are estimates. What you see are sample rates from carriers for your chosen class for information. They are not an insurance offer, a rate guarantee, or an approval promise. The carrier sets the final premium, class, and eligibility through underwriting; the issued policy governs all terms.

No coverage is bound here. Requesting quotes, applying, or contacting us does not create coverage. Coverage only exists after a carrier issues a policy that you accept and pay for.

Availability. Products, carriers, and rates differ by state and applicant and may shift without warning. Quotes are for California only.

Information. Guides here are general information, not legal, tax, or financial advice. Verify anything important with a licensed expert.

Third-party platform. The application page uses a third-party's secure application service under their own privacy and terms.