Terms

Terms of use

Susman Insurance Agency, licensed in California (License 0B75129), runs this site. The site furnishes educational information on life insurance and supplies a quote resource generating carrier quotes based on your input.

Quotes are informational only. All quoted rates originate from carriers for your selected rate class and are estimates. They are not insurance offers, price guarantees, or approval promises. Insurers determine final rates, classes, and approvals through underwriting; issued policies override all else.

No coverage forms here. Submitting a quote, an application, or a message does not activate insurance. A policy only becomes active once an insurer issues it, you accept it, and it has been paid.

Availability. Insurer products, offerings, and rates are location and applicant-specific and subject to change. Only California resident quotations are displayed.

Educational materials. Content on this website is broad in scope and isn't professional guidance for law, taxes, or personal finances. Always seek out licensed professionals to validate critical details.

Third-party services. The application interface runs on a third-party secure platform under separate terms.