Terms

Terms of use

Susman Insurance Agency, a California-authorized insurance firm (License 0B75129), operates this website. We offer educational material about life insurance and a quoting interface that retrieves carrier quotes from your provided information.

Quotes are estimates. Rates displayed come from carriers for your selected class, presented for reference only. These do not constitute a binding insurance offer, a rate lock, or approval guarantee. The carrier's underwriting sets your final rate, class, and eligibility; the delivered policy and any riders supersede everything here.

No coverage is bound here. A quote request, application submission, or message does not form, activate, or establish any coverage. Only a carrier-issued and accepted policy with premium payment creates actual coverage.

Availability. What's available in terms of products, which carriers operate, and what rates apply will depend on your state of residence and personal profile, and may shift over time without notice. Quotes shown are valid for California residents only.

Information. The educational content and guides provided here are general in nature and are not intended as legal counsel, tax guidance, or personalized financial recommendations. For important decisions, consult with qualified licensed professionals.

Third-party platform. The secure application interface available on the apply page is operated by a third party under its own separate terms and conditions.