Terms

Terms of use

Susman Insurance Agency, a licensed California insurance operator (License 0B75129), runs this site. It gives facts about life insurance and a tool that pulls rates from carriers based on your answers.

Quotes are estimates. Carriers provide them for your selected class and are for reference only. They're not an insurance offer, a rate lock, or a promise of approval. The carrier sets the true rate and class after underwriting; the final policy document rules.

Nothing is covered here. Requesting a quote, submitting an application, or messaging the site doesn't create insurance. A policy exists only when a carrier issues one and you pay for and approve it.

Availability. Carriers, products, and pricing shift by region and person and may change anytime. Quotes apply to California folks.

Facts. This site's guides are general information, not legal, tax, or financial advice. Check anything important with a licensed expert.

Third-party platform. The apply page runs a third-party application service under its own rules.