Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), operates this website. It shares general life insurance information and offers a tool that gets carrier quotes from your responses.

Quotes are estimates. The rates shown come from carriers for your chosen rate class and are for information purposes. They do not represent an offer of insurance, a fixed price guarantee, or a commitment to approve. The carrier's underwriting sets the actual premium, rate class and approval; the final issued policy governs all terms.

No coverage is bound here. A quote request, application submission or contact message does not activate coverage. Coverage begins only when a carrier issues a policy, you accept it and payment is received.

Availability. Products, carriers and rates shift by state and individual circumstance and may shift without warning. Quotes display for California residents only.

Information. Guides here are broad educational content, not legal, tax or financial counsel. Verify anything critical with a licensed professional.

Third-party platform. The application page brings in a secure application service run by a third party; its own terms apply.