Terms

Terms of use

Susman Insurance Agency, a California licensed agency (License 0B75129), operates this site. It shares general life insurance information and operates a quoting tool that shows rates from multiple carriers based on your answers.

Quotes are estimates only. The rates displayed come from carriers for your selected rate class and are educational. They are not an insurance offer, a rate promise, or an approval guarantee. Underwriting by the carrier sets the actual premium, final class and whether you qualify; the issued policy and its riders are what actually applies.

No coverage starts here. A quote request, a completed application or a contact form message does not activate any coverage. Coverage begins only when a carrier issues you a policy and you accept it and the first premium is paid.

Availability. Products, carriers and rates differ by state and person and change periodically without advance notice. Quotes here are restricted to California residents.

Information. Articles and guides on this site are broad in scope and do not replace legal, financial or tax advice. Verify important questions with a licensed professional.

Third-party platform. The application page uses a secure application tool operated by a third-party vendor under separate terms.