Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance business (License 0B75129), runs this website. It gives general education about term and permanent life insurance and operates a tool that fetches carrier quotes based on your responses.

Quotes are estimates. Rates provided are based on the rate class you chose and are for information only. They do not constitute an insurance offer, a rate commitment or a guarantee of approval. The final rate, classification and approval decision come from the carrier through its underwriting process; the policy and any amendments issued by the carrier are what control.

No coverage is bound here. Filing a quote request, submitting an application or sending a contact form does not activate coverage. Coverage only begins when a carrier approves a policy, you agree to it and make your first payment.

Availability. Product options, participating carriers and premium rates differ by state and individual situation and may shift at any time without advance notice. Rates displayed are for California residents only.

Information. The articles on this website offer general information and do not replace legal, tax or investment advice. Check facts that matter to you with a qualified professional.

Third-party platform. When you reach the application page, it brings in a secure application service managed by another company under its own conditions.