Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), runs this website. It provides factual information on life insurance and a quote tool that processes your answers to show what carriers bid.

All quotes are estimates. Rates shown are carrier quotations for the tier you selected and are informational only. They do not represent an offer, a guarantee, or a promise of approval. The carrier sets final rates, tiers and eligibility through underwriting and the issued policy controls.

No coverage exists here. Filing a quote, an application, or a message does not establish coverage. Insurance takes effect only when a carrier issues a policy, you accept it and pay for it.

Terms and availability. Products, carriers and rates change by location and individual and may shift without notice. Rates displayed are for California residents.

General information. Content here is background material and is not professional legal, tax, or financial guidance. Verify anything that matters with a qualified expert.

External service. The application section runs a third-party secure application service subject to its own terms of use.