Terms

Terms of use

Susman Insurance Agency, licensed to conduct insurance business in California (License 0B75129), runs this site. It provides educational material about term and permanent life insurance and a quoting tool returning carrier quotes based on your input.

Quotes are estimates. The rates come from carriers for the health class you selected and are for reference only. They are not an offer, a guarantee, or a promise of approval or price. The carrier's underwriting sets the final premium, rating and approval; the resulting contract and riders are binding.

No coverage is created here. Asking for quotes, applying, or reaching out through the contact form does not bind coverage. Insurance takes effect only once a carrier issues a policy that is approved and paid.

Product availability. Carriers, coverage types and rates vary by state and individual and may shift without warning. These quotes are for California residents.

Educational material only. Guides on this site are educational and not accounting, legal or investment guidance. Check with a professional about anything that impacts you.

Third-party application. The application page integrates a secure application system from a third party, and you will follow that platform's policies.