Terms

Terms of use

Susman Insurance Agency, a licensed California agent (License 0B75129), runs this site. It offers broad life-insurance facts and a quoting tool that pulls rates from carriers based on what you tell us.

Quotes are rough sketches. Displayed rates come from carriers for your health class and are for reference only. They're not a coverage offer, a locked-in price, or approval in the bag. The carrier's underwriting sets your real cost, tier and go-ahead; the written policy and its add-ons rule everything.

Coverage doesn't start here. Quotes, applications and messages are not binding. Only when a carrier issues a policy, you accept it and pay does coverage activate.

Availability. Products, carriers and rates shift by state and applicant and can change anytime. Quotes are for California folk.

Disclaimers. Our guides are broad strokes, not legal counsel, tax advice or investment guidance. Have a pro vet the details that matter to you.

Third-party service. The application page brings in a carrier application system that runs under its own agreements.