Terms

Terms of use

Susman Insurance Agency, a California-licensed firm (License 0B75129), runs this site. It shares broad life insurance knowledge and a tool that fetches carrier quotes built on your answers.

Quotes are estimates. The rates shown come from carriers for your selected class and exist only for your info. They're not an insurance offer, not a price lock, and not a yes to coverage. The carrier decides the real premium, class, and go-ahead after underwriting; the actual policy paperwork is what counts.

No coverage happens here. A quote, an application, a message—none of it brings insurance into being. Only when a carrier issues a policy, you accept it, and you pay does coverage start.

Availability. What carriers sell, their products, and their prices shift by state and person and can flip anytime. Quotes are for California folks.

Information. Guides here are broad strokes, not law, accounting, or financial counsel. Run important decisions by a pro.

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