Terms

Terms of use

Susman Insurance Agency, licensed in California (License 0B75129), runs this website. It offers educational material about life insurance and a quote tool powered by carrier responses to your answers.

Estimates, not guarantees. The rates shown come from carriers for the health classification you selected and are informational. They don't represent an offer, a rate guarantee, or an approval promise. After you apply, the carrier sets the actual rate, class and whether you qualify; the final policy controls all terms.

No binding coverage here. A quote request, application submission or contact message does not bind or create coverage. A carrier must issue a policy, you must accept it, and payment must clear before coverage begins.

What's available varies. Rates, products, carriers and eligibility differ by state and individual circumstance and can shift without warning. Quotes on this site are for California residents.

Educational only. Content here is general information, not legal counsel, tax advice or financial recommendations. Verify anything important with a qualified licensed advisor.

External platform. The application page connects to a third-party secure application service, which operates under its separate terms.