Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), operates this website. It offers educational information on life insurance and an engine for retrieving quotes directly from carriers using your responses.

Rates are illustrative only. The premiums displayed are carrier quotes for the rate tier you indicated and are provided solely for informational purposes. They do not constitute an insurance offer, a binding premium guarantee, or an approval commitment. The carrier's underwriting process determines your actual premium, approved rate tier, and coverage eligibility; the issued policy document and any amendments are what govern.

No insurance coverage is created here. Requesting a quote, submitting an application, or sending a contact form does not establish coverage. Coverage originates only when a carrier issues a written policy, you accept it, and premium payment is received.

Availability and changes. Insurance products, participating carriers, and premium rates differ based on state, individual circumstances, and may be updated at any time without advance notice. These quotations apply to California residents.

Educational content. The guides provided on this site are general in nature and do not constitute legal, tax, or financial counsel. Verify any guidance that affects your situation with a qualified professional.

Third-party service. The application page incorporates a secure application system managed by a third party, subject to that party's separate terms and conditions.