Terms

Terms of use

Susman Insurance Agency, licensed by California (License 0B75129), runs this website. We share educational material about life insurance and operate a quoting tool that delivers carrier estimates based on your responses.

These are informational quotes. Rates displayed come from carriers for your chosen tier and are estimates only, not binding offers, guaranteed premiums, or promises of approval. What you actually pay, your final class, and whether you're eligible all get decided by the carrier's underwriting process. The policy you receive and any changes to it are what actually matters.

Nothing on this site binds coverage. Asking for quotes, submitting an application, or sending a message does not create insurance. Coverage comes into existence only when a carrier issues a policy that you accept and fund.

Availability varies. Products, which carriers participate, and pricing all differ by location and individual situation and can shift at any time. Quotes shown here are for California residents.

Educational content only. Articles on this site provide general information and are not formal legal, tax, or investment guidance. Run important details by a qualified professional.

Third-party application. The application page includes a secure form run by a third party under their own policies.