Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance entity (License 0B75129), operates this website. The site provides general educational information on life insurance and a quoting tool to show you what carriers are offering based on your inputs.

Rates are quotes. All rates presented come from carriers for the rate class you selected and are provided for reference only. These are not insurance offers, rate guarantees or promises of approval. A carrier sets the final rate, class and approval through underwriting; the actual issued policy and any riders define what's actually covered.

No coverage is created here. A quote request, application or message doesn't establish or guarantee insurance coverage. Coverage only exists after a carrier issues and you accept a policy.

Availability. Products, carriers, rates and qualifying criteria differ by state and individual profile and may be modified at any time. Quotes here are limited to California residents.

Information. Content and guides here are informational in nature and should not be viewed as legal counsel, tax guidance or personalized financial advice. Always review key decisions with a qualified professional in your field.

Third-party application service. The application portion of this site is hosted on a third-party platform operating under its own separate terms.