Terms

Terms of use

This website belongs to Susman Insurance Agency, a California-licensed insurance agency (License 0B75129). The site provides general education on life insurance and a quote tool that shows you rates based on your answers.

Quotes are estimates. Rates displayed are what carriers charge for the rate class you chose and are provided for information only. These are not offers to sell insurance, guarantees of a rate, or assurances of approval. The carrier will determine the final premium, rate class and whether to accept your application through their underwriting process; the issued policy and any riders attached to it are what matter.

No insurance is created here. Submitting a quote, filling out an application or sending a message does not create any policy. Coverage only exists once a carrier issues a policy that you've reviewed and approved and you pay the first premium.

Availability. Insurance products, participating carriers and premium rates are not the same in every state and for every applicant; they shift without notice. We display quotes for California residents.

Information. Articles on this website are general in nature and should not be treated as legal, financial or tax guidance. Talk to someone with credentials—a lawyer, tax professional or financial adviser—before making major choices.

Third-party platform. The application page runs a secure system built and managed by another company under their separate terms.