Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agent (License 0B75129), operates this website. We provide educational information on life insurance and a platform that fetches quotes from carriers based on your inputs.

Quotes are estimates only. The rates we display come from carriers for the rate class you chose and are for reference only. They are not a binding quote, a guarantee of your final cost, or a commitment to issue a policy. The carrier's underwriting process determines your actual premium, rate tier, and whether you are approved; the final policy and any amendments are what legally control.

Nothing here creates insurance. Requesting quotes, submitting an application form, or sending a message on this site does not bind or create any coverage. Coverage only takes effect when a carrier officially issues a policy, you accept it, and your first premium is processed.

Availability. Different states, applicants, and circumstances get different products and rates, and these can change at any time. These quotes are presented for California residents.

General information. The educational material on this website is introductory in nature and is not legal counsel, tax planning, or financial advice. Speak with a licensed professional before making decisions based on anything here.

Third-party application service. When you apply, a secure platform operated by the insurance carriers loads and runs your application under the terms and conditions of that service.