Terms

Terms of use

This website is operated by Susman Insurance Agency, a California-licensed insurance agency (License 0B75129). It provides general information about life insurance and a tool for getting carrier quotes based on your answers.

Quotes are estimates. The rates shown come from carriers for the rate class you picked and are for information only. They're not an offer, a premium guarantee or a promise of approval. The final premium, class and approval are set by the carrier through underwriting; the issued policy and its terms control.

No coverage is bound here. Asking for a quote, submitting an application or sending a contact message doesn't create coverage. Coverage exists only when a carrier issues a policy, it's accepted and paid.

Availability. Products, carriers and rates vary by state and applicant and may change without notice. Quotes shown are for California.

Information. Guides on this site are general in nature and not legal, tax or financial advice. Check anything important with a licensed professional.

Third-party platform. The application page loads a secure application service run by a third party under its own separate terms.