Terms

Terms of use

Susman Insurance Agency, a licensed California insurance firm (License 0B75129), runs this site. It delivers general life insurance information and a quoting tool that fetches carrier rates according to your input.

Quotes remain estimates. Displayed rates come from carriers for your chosen tier and are informational. They are not insurance offers, price guarantees, or approval assurances. Underwriting determines final premiums, tier placement, and acceptability; the actual policy document and amendments govern all terms.

No insurance is active on this site. Quote requests, application submissions, and contact messages do not establish coverage. Protection begins only after a carrier issues a policy, you accept it, and payment is received.

Variation by applicant and location. Coverage options, participating carriers, and pricing depend on state and individual factors and are subject to revision without prior notice. Quotes are for California residents.

Educational content only. All guides are general in nature and do not replace legal counsel, tax guidance, or financial planning. Verify anything important with a qualified professional.

External application service. The application page integrates a third-party secure application system governed by that provider's separate terms.