Terms

Terms of use

This site is run by Susman Insurance Agency, a licensed California insurance agency (License 0B75129). It offers educational information on life insurance and a quoting tool that pulls carrier estimates from your answers.

Quotes are estimates only. The rates displayed come from carriers for your chosen class and are informational. They don't constitute an insurance offer, premium guarantee, or approval promise. Underwriting determines final premiums, your actual class, and whether you qualify; the issued policy and any amendments govern.

No insurance takes effect here. Requesting quotes, filing an application, or sending a message does not activate any coverage. Coverage only starts once a carrier issues a policy that you accept and pay for.

Availability. Offerings, participating companies, and pricing shift by state and applicant and are subject to change. Quotes displayed here are for California residents.

Information. Material on this site is educational only and should not be construed as legal, tax, or financial advice. Check with a qualified professional on matters that affect you.

Third-party platform. The application page pulls in a third-party secure application service governed by its separate terms.