Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), runs this website. It offers general life insurance information and a quoting tool that pulls rates from carriers based on your answers.

Quotes are estimates. The rates displayed come from carriers for the health tier you picked and exist for information. They are not an insurance offer, a rate guarantee, or an approval promise. Underwriting determines your actual rate, tier and approval; the issued policy and any riders are what count.

Nothing here creates insurance coverage. Filling out a quote request, sending an application or writing a contact message doesn't establish coverage. Coverage comes into being only when a carrier issues a policy that you accept and pay for.

Availability. Products, carriers and pricing differ by state and person, and may shift without warning. Quotes shown here are for California residents.

Information. Articles here are general education, not legal, tax or financial guidance. Check anything important with a qualified advisor.

Third-party platform. When you're on the application page, it loads a secure application system run by a third party under their terms.