Terms

Terms of use

Susman Insurance Agency, holding a California insurance license (0B75129), runs this site. It gives background on life insurance and a quote service that returns carrier rates based on your answers.

Quotes are approximations. Displayed costs come from carriers for your chosen tier and serve as reference only. They are neither an insurance offer, premium guarantee nor approval promise. Carriers finalize premiums, tiers and eligibility through underwriting; your final policy document rules.

No coverage is created here. Completing a quote request, an application or a message doesn't trigger coverage. Policies become active only after a carrier issues one, you receive and approve it, and payment is processed.

Availability. Offerings, companies and costs vary geographically and by individual, subject to change. Quotes are for California residents.

Information. Materials here offer general background and aren't professional legal, tax or investment guidance. Speak with a qualified expert about decisions that affect you.

Third-party platform. The application page includes a third-party secure app with its own conditions.