Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), runs this site. It offers educational information on life insurance and a quoting tool that fetches rates from carriers depending on your input.

Quotes are estimates only. The rates displayed come from carriers for your chosen rate class and are meant for comparison. They are not an insurance offer, a price guarantee, or approval. The carrier decides the final rate, class, and eligibility during underwriting; the actual policy document and any amendments are what count.

No coverage begins from this website. Submitting a quote, an application form, or a message does not activate any insurance. Coverage only starts when a carrier issues a policy, you accept it, and payment is processed.

Availability. Carriers, products, and pricing shift by state and person and can change any time without warning. Quotes appear for California people only.

Information. The guides here are broad educational content, not legal guidance, tax advice, or personalized financial counsel. Always verify important information with a qualified expert.

Third-party platform. The Apply page includes a secure application tool run by the carriers under their separate terms.