Terms

Terms of use

This website is run by Susman Insurance Agency, licensed to sell insurance in California (License 0B75129). It offers educational information about life insurance and a tool to generate quotes based on information you enter.

Quotes are estimates only. The rates quoted reflect what carriers would charge for the tier you selected and are for information only. They're not an offer of insurance, not a rate guarantee, and not a promise of approval. Underwriting by the carrier determines the final premium, tier and eligibility; the issued policy document and any riders prevail.

No binding commitment happens here. Sending a quote request, submitting an application or completing a contact form does not create or modify coverage. Coverage only begins when a carrier issues a policy, you receive it and you pay for it.

Availability varies. Products, carriers and rates depend on the state and applicant profile and may shift anytime. This tool provides quotes for California residents.

Educational use only. Materials on this site are general information and not legal counsel, tax guidance or financial advice. Consult a licensed professional before acting on anything material to your situation.

Third-party application platform. The application page integrates a separate platform provided by a third party; your use of it is governed by their terms.