Terms

Terms of use

Susman Insurance Agency, a licensed California insurance agency (License 0B75129), operates this website. It offers general life insurance information and a quoting tool that returns rates based on your answers.

Quotes are estimates. Carriers provide the rates for your selected class; they are for reference only. They are not an insurance offer, a rate lock, or a pledge of approval. Underwriting sets the final rate, class and approval; the issued policy and its riders are binding.

No coverage is bound here. A quote request, application or message does not activate coverage. Coverage begins only when a carrier issues a policy, you accept it and pay.

Availability. Products, carriers and pricing differ by state and person, and shift at any time. Quotes shown are for California residents.

Information. This site's guides are broad overview, not legal, tax or financial advice. Run important questions past a qualified professional.

Third-party platform. The application page pulls in a third party's secure application service under their terms.