Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), runs this website. It offers facts about life insurance and a tool that returns quotes from carriers based on your answers.

Quotes are informational. The rates come from carriers for the class you picked and are provided for information only. They are not an offer of insurance, a rate guarantee, or a promise of acceptance. Underwriting determines your final rate, class, and acceptance; the issued policy and its riders are controlling.

No coverage is bound. Submitting a quote request, an application, or a contact form does not establish coverage. Coverage starts only when a carrier issues a policy and it is accepted and paid for.

What is available. Products, carriers, and rates differ by state and person and may change. Quotes go to California residents.

Information. Content on this website is general in nature and is not legal, tax, or financial advice. Speak with a licensed advisor before making decisions that matter to you.

Third-party platform. The application page loads a secure application system run by a third party under its own terms.