Terms

Terms of use

This site is run by Susman Insurance Agency, a California insurance agency with License 0B75129. It provides educational information on life insurance and a tool to request quotes from carriers based on your answers.

Quotes are estimates. Rates shown are carrier quotes for the class you selected and exist for reference only. They are not an offer of insurance, a binding premium estimate, or a promise of approval. The actual rate, class and approval are decided by underwriting; the policy issued and its terms control.

No coverage exists here. A quote request, an application submission or a contact message do not create or bind coverage. A policy comes into force only when a carrier issues it, you accept it and you pay the first premium.

Availability. Carriers, products and rates are not the same in all states and for all applicants and may change at any time without advance notice. Quotes shown are for California residents.

Information. Content on this site is general information and is not legal, tax or financial advice. Verify anything that matters to you with a qualified professional.

Third-party platform. The application page loads a secure application service owned and run by a third party under its own separate terms.