Terms

Terms of use

Susman Insurance Agency runs this site; it's licensed in California under License 0B75129. The site provides educational information about life insurance and includes a tool that shows real carrier quotes based on what you enter.

Quotes are for information only. The rates you see come from carriers for the specific health class you entered and cannot be construed as a guarantee, an official offer, or a commitment to a price. The carrier's underwriting determines your real premium, class and whether you qualify; the actual policy governs everything.

No coverage is created here. Getting a quote, applying, or contacting us doesn't establish any insurance. Only when a carrier approves a policy, it's signed by both sides, and the first payment is received does coverage start.

Products and pricing differ. What's available, which carriers offer coverage, and the rates themselves all vary by state and personal profile and are subject to change. Quotes are for California applicants.

Not advice. Content on this site presents general information and should never be treated as personalized financial, legal or tax guidance. Talk to a qualified professional about anything important to you.

Third-party service. The application page integrates a secure application service from another company, which operates under its own separate terms of service.