Terms

Terms of use

Susman Insurance Agency, a licensed California agency (License 0B75129), operates this website. It offers general educational information about life insurance and a quote tool that retrieves rates based on what you tell it.

Quotes are estimates only. The rates you see come from carriers for the underwriting class you chose and exist for information only. They are not an insurance offer, a premium guarantee, or a promise that you will be approved. The carrier's underwriting will decide your actual premium, final rate class, and whether you qualify; what the actual policy says controls the coverage.

Nothing on this site creates coverage. A quote request, an application, or a message through the contact form does not start any coverage. Coverage only exists when a carrier issues you a policy document and you accept and pay for it.

Availability. Which products, carriers, and rates are available changes based on your state and personal factors and can shift at any time without warning. Quotes are shown for California residents.

Information. The guides on this site are educational and general in nature, not legal advice, tax advice, or financial planning. Double-check anything important with a lawyer, accountant, or financial professional.

Third-party platform. When you get to the application page, it loads a secure system run by another company under their own terms.