Terms

Terms of use

Susman Insurance Agency, a California-licensed agency (License 0B75129), operates this website. It offers general life insurance information and a quote tool that returns carrier rates based on your answers.

Quotes are estimates. Rates are provided by carriers for the class you chose and are for information only. They are not a price guarantee, an insurance offer, or a promise of approval. The carrier sets the final premium, class, and eligibility through underwriting.

No coverage starts here. Submitting a quote request, applying, or sending a message does not create coverage. Coverage begins only when a carrier issues a policy, you accept it, and you pay.

Availability. Products, carriers, and rates change by state and applicant and may change anytime. Quotes are for California residents only.

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

Third-party platform. The application itself runs on a secure service hosted by an independent third-party provider, governed by that provider's terms of service.