Terms

Terms of use

Susman Insurance Agency operates this site—a California-licensed agency, License 0B75129. We share general life insurance information and a tool that gathers carrier quotes from your answers.

Quotes are estimates only. Rates on screen are based on your chosen tier and given for reference. They are not an offer of insurance, a guaranteed price, or confirmation of approval. The carrier sets the real premium, final tier, and eligibility through underwriting; the written policy governs.

Nothing here binds insurance. Asking for a quote, filling an application, or sending a message doesn't create or change any coverage. Insurance begins only when a carrier issues a policy in writing and you accept and pay for it.

Availability. Products, insurers, and pricing shift by state and person and can change without warning. These quotes are for California residents.

Information only. Guides here are educational and not legal, tax, or investment advice. Verify anything important with a licensed advisor.

Third-party application. The apply page runs a carrier's secure application system governed by their own terms.