Terms

Terms of use

This site is run by Susman Insurance Agency, a licensed insurance agency in California (License 0B75129). It delivers public facts about life insurance and a quote tool that pulls rates based on what you input.

These are not locked rates. What you see are carrier quotes for the rate class you selected, shown as estimates. These aren't insurance promises or locked prices. The carrier's underwriting determines your final rate, class and whether you qualify; the actual policy documents are what matter.

No protection is locked in here. Sending a quote inquiry, starting an application, or sending an email doesn't mean coverage kicks in. A policy only exists after an insurance company approves it, you okay it and pay the first premium.

Coverage differs by location and applicant. Each carrier has different products, prices and availability based on where you live and other factors, and these can change. These quotes apply only to California residents.

Educational material. Content on this site provides general knowledge and is not professional tax, legal or financial guidance. Check with a qualified professional before acting on anything that matters to you.

Third-party system. When you apply, you access a secure application hosted by a separate company that has its own terms and conditions.