Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance business (License 0B75129), runs this website. It offers educational material on life insurance and a tool to fetch carrier quotes from your responses.

Quotes are estimates only. The rates displayed come from carriers for the class you picked and are informational. They do not amount to an insurance offer, a rate lock, or an approval promise. Underwriting sets the real premium, class, and eligibility; what the carrier issues controls the terms.

No coverage forms here. Requesting a quote, filling out an application, or sending a message does not trigger coverage. Coverage starts only after a carrier issues a policy, you accept it, and payment clears.

Availability. Products, companies, and prices shift by state, person, and time. Quotes are for California residents.

General information only. Content on this site is educational and not legal, tax, or financial advice. Talk to a licensed professional about anything important to you.

Outside platform. The apply page calls up a secure application run by a separate company under its own policies.