Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), runs this site. It offers general information about life insurance and a tool that gets carrier quotes from the answers you provide.

These are estimates. The carriers give us these rates for the class you picked, for information only. They are not an insurance offer, a guaranteed price, or approval. The carrier sets the actual premium, class, and whether to approve you after underwriting; what the policy actually says is what counts.

No coverage is created on this site. A quote request, an application, or a message you send does not start any coverage. Coverage only begins when a carrier issues a policy, you accept it, and the first payment is made.

Availability. Products, carriers, and pricing differ by state and by person and can shift. These quotes are for California residents.

Information only. The guides here are broad overviews, not legal advice, tax advice, or financial advice. For anything important to your situation, check with someone licensed.

Third-party application. The apply page uses a secure application system run by a third party, which has its own terms.