Terms

Terms of use

Susman Insurance Agency, a licensed California insurance agency (License 0B75129), runs this site. It offers general information about life coverage and a quoting tool that retrieves carrier quotes based on information you enter.

Quotes are approximate. Rates are provided by carriers for your chosen tier and are informational only. They are not an offer, a price guarantee, or a commitment to approve. The carrier determines your ultimate rate, tier, and approval status through underwriting; your final policy paperwork is what matters.

No coverage is effective here. Submitting a quote search, an application, or a contact submission does not activate coverage. Coverage only begins when a carrier issues a policy, you approve it, and payment is processed.

Coverage changes. Carriers, products, rates, and eligibility vary by location and individual and may shift at any time. Quotes are for California only.

Information only. This site's guides are informational and are not legal counsel, financial advice, or tax guidance. Consult a licensed professional before making important decisions.

Third-party system. The application page includes a secure application service operated by an outside provider subject to its own contract terms.