Terms

Terms of use

Susman Insurance Agency, a California-licensed broker (License 0B75129), runs this site. It supplies general info on life insurance and a quoting tool that pulls rates from carriers based on what you enter.

Quotes are estimates only. The prices shown come from carriers for the class you picked and are informational. They are not an insurance offer, a rate promise or an approval guarantee. The carrier determines your actual premium, class and approval through underwriting; what's in the final policy governs.

Nothing here binds you to coverage. Quotes, applications and messages don't create insurance. Coverage only starts when a carrier signs the policy and you accept and pay for it.

Availability. What carriers offer, which products exist and what they cost shift by state and person and may shift anytime. California quotes only.

Information. Our guides are educational only, not legal, tax or financial guidance. Check anything critical with a licensed expert.

Third-party platform. The apply page calls up a third-party secure application service with its own separate terms.