Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), operates this website. It offers educational information about life insurance and a quoting tool that retrieves carrier rates based on your information.

Quotes are estimates only. Displayed rates come from carriers for your selected class and serve as information. They do not represent an offer, premium guarantee, or approval promise. Underwriting determines the final premium, class, and eligibility; the issued policy and amendments are binding.

No coverage is binding here. Quote requests, applications, and messages do not establish coverage. Coverage exists only when a carrier issues a policy, you accept it, and payment is received.

Availability varies. Products, carriers, and rates differ by state and individual applicant circumstances and are subject to change. Quotes shown here are for California residents.

Educational content. Articles and information on this site are general in nature and do not constitute legal, tax, or financial advice. Consult a licensed professional regarding any matters that affect your decisions.

Third-party platform. The application page integrates a secure application service managed by a third party under separate terms.