Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance broker (License 0B75129), runs this site. It offers general information on life insurance and a quoting tool that returns carrier estimates based on your input.

Quotes are estimates. Each rate is provided by a carrier for your selected tier for informational use only. They are not an insurance guarantee, a promise of any specific premium, or a binding offer of coverage. The carrier's underwriting determines the actual premium, tier and eligibility; the policy and its riders control everything.

No coverage starts here. Submitting quotes, applications or messages doesn't create coverage. Coverage only exists when a carrier issues a policy, you accept it, and it's paid.

Availability. Insurance products, carriers and rates change by state and person and may shift anytime without warning. Quotes shown are for California inhabitants.

Information. Content here is general knowledge, not legal, tax or financial guidance. Check with a qualified professional on anything that matters to you.

Third-party platform. The application page runs on a third-party secure form under separate terms.