Terms

Terms of use

Susman Insurance Agency, licensed in California (License 0B75129), operates this website. It gives general information about life insurance and a tool for fetching rates based on what you answer.

Quotes are for comparison. Rates are from carriers for the class you said you're in and are for reference only. They're not an insurance promise, a price guarantee, or a confirmation of acceptance. The carrier sets final premiums, class and eligibility through underwriting; the policy document and riders control everything.

No coverage happens here. Submitting a quote request, an application or a contact note creates no coverage. A policy only exists when a carrier approves it, you accept it and make payment.

Availability. Policies, carriers and rates differ by state and individual and shift over time. Quotes are for California residents.

General information only. Content here is educational and not legal, tax or financial advice. Verify important details with a qualified professional.

Third-party system. The application page uses a third-party secure application service with its own terms.