Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), runs this site. It offers general information on life insurance and a quote engine that returns carrier rates based on your answers.

Quotes are for information only. The rates you see come from carriers for the health class you selected—not as offers, guarantees, or approval promises. The carrier's underwriting sets the real premium, class, and eligibility; the policy they issue is what actually governs.

Nothing submitted here creates coverage. Quotes, applications, and messages don't bind insurance. Coverage starts only when a carrier issues a policy, you accept it, and the first premium is paid.

Availability varies. Products, rates, and which carriers participate differ by state and applicant and can shift. Quotes on this site are for California residents.

General information only. This site's guides are educational and not legal, tax, or investment advice. Check important decisions with a licensed professional.

Third-party application. The apply page hosts a secure application run by a carrier's platform under its own terms.