Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), operates this site. We provide general information on life insurance and a quoting tool that returns carrier quotes from your answers.

Quotes are estimates. The rates you see come from carriers for your selected class and are for information only. They are not an insurance offer, a price guarantee, or an approval promise. Underwriting determines your actual premium, class, and eligibility; the issued policy and its riders are what count.

No coverage starts here. Requesting a quote, submitting an application, or sending a message doesn't create or bind coverage. Coverage is real only when a carrier issues a policy, you accept it, and it's been paid for.

Availability. Carriers, products, rates, and terms differ by state and person and may shift anytime. Quotes shown here are for California residents.

Information. Our guides are general information, not legal, tax, or financial advice. Check anything important with a licensed professional.

Third-party platform. The application page uses a secure application tool run by a third party under their own terms.