Terms

Terms of use

Susman Insurance Agency, a licensed California insurance agency (License 0B75129), runs this site. It delivers general information on life insurance and a tool for getting carrier quotes based on your inputs.

Quotes are estimates only. Prices listed are what carriers quote for your chosen health class — for information only. They are not an insurance contract, a rate guarantee, or a statement that coverage will be approved. Underwriting by the carrier sets the final rate, class, and acceptance; your issued policy paperwork is the binding agreement.

No obligation here. Requesting a quote, sending an application, or filling out a contact form does not trigger coverage. Coverage starts only when a carrier approves a policy and you accept and pay for it.

Coverage changes. Carriers, rates, and products shift by state and by applicant and can change any time. Quotes are for California residents.

General information only. Articles here are informational and are not legal guidance, financial advice, or tax counsel. Verify anything important with a professional you trust.

Third-party application. The apply page connects to a third-party application platform under its own terms.