Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), owns and runs this site. It offers information about life insurance coverage and operates a tool that retrieves carrier quotes based on your answers.

Quotes are approximations. Rates shown come from carriers for the rate class you picked and are provided for educational purposes. They are not an offer of coverage, a guaranteed premium, or confirmation of eligibility. Final rates, class assignment, and approved amounts are set by the carrier through underwriting; the issued policy and its schedules are binding.

Nothing here creates coverage. Submitting a quote request, an application, or a contact form does not initiate or bind a policy. Coverage begins only when a carrier issues a policy, you accept it, and payment is made.

Changes and limits. Carriers, products and rates differ by location and person and may shift without notice. Quotes reflect California availability.

Educational material only. Information on this site is for general education and is not legal, tax or financial counsel. Talk to a qualified professional about anything that matters to your situation.

Third party application service. When you apply, a separate platform run by a third party loads and handles your application under its own terms.