Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), operates this site. It distributes general information on life insurance and a tool to retrieve carrier quotes based on the details you supply.

Quotes are approximations. Carriers provide the rates shown for your selected class; they are informational only. They are not an offer to insure, a rate guarantee, or a promise of approval. The actual premium, class assignment, and whether you can be insured depend on what the carrier finds during underwriting; the policy as written controls.

Coverage is not active here. Submitting quotes, an application form, or a message does not create or bind coverage. Coverage only exists once a carrier issues a policy, you sign acceptance, and you pay the first payment.

Eligibility varies. Available carriers, products, and rates depend on your state and personal profile and may shift without advance notice. Quotes are for California residents.

General information only. The articles here are educational, not tax advice, legal advice, or financial advice. Check anything important with a qualified professional.

Third-party application. The apply page loads an application system run by a third party under separate terms.