Terms

Terms of use

Susman Insurance Agency operates this site—they are a California-licensed insurance brokerage (License 0B75129). The purpose is to provide general education on life insurance and a tool that retrieves quotes from carriers based on your answers.

Quotes are approximations. The rates we display are provided by carriers for your selected rate class and are given purely for reference. They're not insurance offers, guaranteed prices, or approval promises. Carriers determine your final rate, class, and eligibility during their underwriting review; the final policy contract controls everything.

Coverage is not active here. Submitting a quote search, an application, or getting in touch through our contact form does not mean coverage is active. A policy only becomes real when a carrier approves it, you accept it, and you've paid the premium.

Terms and limitations. Which carriers operate where, what products they offer, and pricing all change over time without warning. Our quotes are available for California applicants only.

This is general information, not advice. Our educational articles are broad summaries and should not be treated as legal, tax, or financial counsel. Check with a qualified professional before making decisions that depend on these topics.

Third-party application system. The application area connects to a third-party application service governed by their own separate terms and privacy rules.