Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agent (License 0B75129), runs this website. It offers general information on life insurance and a quoting tool that connects your answers to carrier rates.

Quotes are estimates only. The rates shown come from carriers for your chosen class and are informational. They aren't an insurance offer, a rate guarantee, or an approval promise. The carrier sets the final premium and class through underwriting. The actual policy and its terms control everything.

Nothing here creates coverage. A quote request, application submission, or message doesn't establish any policy. Coverage starts only when a carrier issues a policy, you accept it, and you pay.

Availability: Products, carriers, and rates differ by state and person and can shift any time. These quotes apply to California residents.

Information: The guides here are general information, not legal, tax, or financial counsel. Run anything critical past a licensed professional in that field.

Third-party service: The application page runs a secure application system managed by another company under its own rules.