Terms

Terms of use

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

Quotes are estimates. Each quote reflects the rate that a carrier would charge for the class you chose and is for information only. It is not an offer, a premium guarantee, or a promise of approval. The carrier determines the final class and premium after underwriting; the issued policy controls.

No coverage is bound here. A quote request, an application, or a message through the contact form does not create insurance. Insurance exists only when a carrier issues a policy and you accept and pay for it.

Availability. Carriers, products, rates and coverage vary by state and applicant. What is available today may change without notice. Quotes on this page are shown for California.

Information. Content on this site provides general information and is not legal, tax or financial advice. Before relying on anything here for an important decision, confirm it with a qualified professional.

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