Terms

Terms of use

Susman Insurance Agency (California License 0B75129) runs this site. It gives general information on life insurance and a tool for carrier quotes based on your answers.

Quotes are estimates. Rates come from carriers for your chosen class and are for information. They're not an insurance offer, a guaranteed premium, or an approval promise. The carrier sets the final premium, class, and eligibility through underwriting; the policy and its riders control what's actual.

Nothing here creates coverage. A quote request, application, or contact message doesn't bind coverage. Coverage only exists when a carrier issues a policy that you accept and pay for.

Availability. Products, carriers, and rates differ by state and person and can shift anytime. Quotes here are for California residents.

Information. Guides here are general, not legal, tax, or financial advice. Check anything important with a licensed professional.

Third-party platform. The application page brings in a secure application service run by others under their own terms.