Terms

Terms of use

Susman Insurance Agency, California-licensed (License 0B75129), operates this site. It offers general life insurance facts and a quoting tool that fetches carrier rates based on your answers.

Quotes are informational. Rates displayed come from carriers for your selected class and are instructional only—not an insurance offer, premium guarantee, or approval commitment. The carrier's underwriting sets your true rate, class and acceptance; the delivered policy is final.

No coverage arises from this site. Requesting quotes, submitting an application, or sending a message does not activate a policy. Protection takes effect only after a carrier issues a policy, you accept it, and payment is received.

What's available changes. Products, carriers, and pricing differ by state and person and shift without warning. This site shows rates for California.

General guidance only. Articles here are broad information, not legal, tax, or financial counsel. Always verify important decisions with a licensed professional.

External service. The application page brings in a third-party secure platform under its separate terms of service.