Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), runs this site. It offers basic life insurance information and a tool that pulls carrier rates based on your answers.

Quotes are estimates. Rates come from carriers for the class you chose and are informational only—not an insurance offer, premium guarantee, or approval promise. The carrier's underwriting sets the real premium, class, and eligibility. The policy issued (and any changes to it) is what counts.

No binding here. Getting a quote, filling out an application form, or sending a message does not start or change any coverage. Insurance only exists once a carrier issues a policy you accept and pay for.

Availability. Products, carriers, and pricing shift by state and applicant, and can change anytime. Quotes here are for California residents.

Information only. Guides here are broad brushstrokes, not legal, tax, or financial advice. Check the details with a pro.

Third-party app. When you apply, a third-party platform's secure form loads and runs under its own terms.