Terms

Terms of use

This website is operated by Susman Insurance Agency, a California-licensed insurance agency (License 0B75129). It provides general information about life insurance and a tool that returns carrier quotes based on the answers you give.

Quotes are estimates. Rates shown are provided by carriers for the rate class you selected and are for information only. They are not an offer of insurance, a guarantee of a premium, or a promise of approval. The final premium, rate class and eligibility are determined by the carrier through underwriting; the issued policy and its endorsements control.

No coverage is bound here. Submitting a quote request, an application or a contact message does not create coverage. Coverage exists only when a carrier issues a policy and it is accepted and paid for.

Availability. Products, carriers and rates vary by state and applicant and may change without notice. Quotes are shown for California residents.

Information. Guides on this site are general and are not legal, tax or financial advice. Confirm anything that matters to you with a licensed professional.

Third-party platform. The application page loads a secure application service operated by a third party under its own terms.