Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance company (License 0B75129), operates this site. It provides general life insurance information and a quote tool that returns rates based on your answers.

These are estimates only. Carriers furnish rates for the class you picked, for information purposes. They don't represent a contract, a final rate, or a promise of approval. Your final premium, class and approval depend on carrier underwriting; the issued contract and its riders prevail.

No coverage binds here. A quote request, application submission, or contact message does not create coverage. A policy comes into being only when a carrier issues it, you accept it and pay.

Terms vary. Products, carriers, rates and approval vary by state and applicant and may shift without notice. These quotes are for California residents.

General content. Material on this site is informational only and is not legal, tax or financial counsel. Consult a qualified professional for anything material to your situation.

Third-party service. The apply page includes a secure application service run by an outside party under its own terms.