Terms

Terms of use

Susman Insurance Agency, a licensed insurance agency in California (License 0B75129), runs this website. It supplies educational information on life insurance and a quoting tool that retrieves rates from carriers according to your input.

Quotes are illustrative. The rates you see come from carriers for the classification you indicated and exist for reference only. They do not constitute an insurance offer, a locked-in price, or a binding commitment to approve you. The carrier's underwriting determines your actual premium, classification, and whether you qualify; the final policy is the authoritative document.

No insurance exists here. A quote request, an application submission, or a message to us does not establish or modify any coverage. Insurance starts only when a carrier issues a policy, you accept it, and payment is made.

Availability is subject to change. Carriers, products, and pricing differ by state, applicant profile, and passage of time. These quotes are prepared for California residents.

Information offered here. Educational material on this website is broad and general; it is not legal, tax, or personalized financial counsel. Speak with a qualified professional before relying on anything important to your situation.

Third-party application. The apply page brings in a secure application managed by an external provider; their separate terms govern it.