Terms

Terms of use

This website is run by Susman Insurance Agency, a licensed California insurance agency (License 0B75129). It provides general facts about life insurance and a quote tool that retrieves carrier rates based on the information you provide.

Quotes are estimates only. Each carrier provides rates for the class you selected as reference information. They are not an offer, a price guarantee, or a promise of approval. Underwriting determines the actual premium, class, and whether you qualify; the issued policy and its terms control.

No insurance is bound on this site. Requesting a quote, submitting an application, or sending a message does not create a policy or bind coverage. A policy exists only once a carrier approves and issues it and you accept and pay for it.

Availability. Products, carriers, and prices shift by state and person and may change at any time. The quotes shown are for California residents.

Information. The guides and articles on this website are general education and are not legal counsel, tax guidance, or financial advice. Check anything important with a qualified professional.

Third-party platform. The application page runs a third-party application service under its own separate terms of use.