Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), operates this website. It gives out general information about life insurance and a tool to get carrier quotes based on your answers.

Quotes are estimates. Carriers provide them for the rate class you pick and for information only. They are not an insurance offer, a premium guarantee, or a promise you'll be approved. The carrier's underwriting sets the final premium, class, and whether you qualify; the policy document controls.

No coverage is bound here. Sending a quote request, applying, or sending a message doesn't create any coverage. Only when a carrier issues a policy that you accept and pay for does coverage exist.

Availability. Products, carriers, and rates shift with state, applicant circumstances, and market changes without notice. We show quotes for California residents.

Information. Articles on this site are general and not legal, tax, or financial advice. Run anything important by a licensed professional.

Third-party platform. The application page loads a secure service run by a third party on their own terms.