Terms

Terms of use

Susman Insurance Agency, a licensed California insurance agency (License 0B75129), runs this website. It offers general education about life insurance and a tool that returns rates based on your inputs.

Quotes are estimates. Carriers provide rates for the class you picked, for information only. They are not an insurance offer, a rate guarantee, or an approval promise. Underwriting determines the actual premium, class, and eligibility; the issued policy and any changes control.

No coverage starts here. Requesting a quote, filling out an application, or sending a message does not establish insurance. Insurance begins when a carrier approves a policy, you accept it, and you pay the first premium.

Coverage availability. Products, carriers, and costs change by state and individual and may shift anytime. Quotes are for California residents.

General information. Content on this site is educational only and does not constitute legal, tax, or financial advice. Check with a professional about anything that touches your situation.

Third-party platform. The apply page connects to a third party's secure application system under its own privacy and terms of service.