Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agent (License 0B75129), runs this website. It offers general knowledge about life insurance and operates a calculator that shows carrier rates based on your input.

Quotes are for estimation. The amounts shown come from carriers for the rate class you indicated and are informational in character. They are not an insurance offer, a rate guarantee, or a promise of acceptance. The final cost, rate class assignment, and approval decision are set by the carrier's underwriting; the policy document and attached riders are the binding authority.

No policy is active here. Submitting a quote request, completing an application, or sending a contact message does not bind coverage. A policy only becomes effective when a carrier issues it, you accept it, and the premium is paid.

Availability. Carrier offerings, products, and pricing fluctuate by state and person and may shift at any moment. Quotes are provided for California applicants.

General information. Content on this site is educational and should not be treated as legal advice, tax advice, or financial guidance. Speak with a licensed professional about decisions that matter to you.

External application service. The apply page incorporates a secure application service provided by a third party under that party's own privacy and terms documents.