Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance firm (License 0B75129), operates this website. It offers broad information on life insurance and a quoting tool that retrieves carrier rates from your answers.

Quotes are for reference only. The rates you see come from carriers for the specific health class you chose and are informational, not binding. They're not an insurance offer, a rate guarantee or an approval promise. Your actual premium, class and eligibility are set by the carrier's underwriting; the final issued policy and its terms take precedence.

Nothing here creates actual coverage. Requesting quotes, submitting an application or sending messages do not establish coverage. Coverage only comes into being when a carrier issues a policy, you accept it and payment clears.

Availability. Available products, participating carriers and quoted rates differ by state and applicant profile and may shift at any time. Quotes on this site are for California residents.

Information. Content on this site is educational in nature and does not constitute legal, tax or financial guidance. Always verify important matters with a qualified professional.

Third-party platform. The application page hosts a secure application service run by an external provider subject to that provider's own terms.