Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance operation (License 0B75129), runs this website. It supplies educational information on life insurance and a quoting tool that fetches carrier rates from your input.

Quotes are estimates only. Rates displayed come from carriers for your chosen tier and are for comparison only. They are not an insurance agreement, a guaranteed premium, or a confirmation of approval. The carrier's underwriting department sets the final premium, class and acceptance; the issued policy and its amendments have final authority.

No coverage forms here. A quote request, application submission or contact message does not generate coverage or a binding agreement. Coverage begins only when a carrier issues a policy, you accept it and you pay the first premium.

Availability. Goods, carriers and costs change by state and individual and shift periodically without prior notice. Quotes are only available for California resident applicants.

Information only. The guides here convey broad information and are not legal counsel, tax guidance or financial advice. Talk to a professional for anything important to you.

Third-party system. The application page hosts a secure application system run by another firm, governed by their own privacy and terms.