Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance entity (License 0B75129), operates this website. It furnishes educational material concerning life insurance alongside a tool that retrieves rates based on your answers.

Quotes are not binding. The rates presented are carrier-supplied for your selected category and are informational. These are not insurance contracts, rate guarantees, or coverage confirmations. Your final rate, class, and eligibility are set by underwriting; the issued policy and its terms are what control.

No insurance is bound here. Requesting quotes, submitting an application, or sending a message does not create coverage. Coverage is only established once a carrier issues a policy that you've authorized and financed.

Coverage terms and rates shift. Products, carriers, and pricing vary by location and applicant profile and are subject to change. California resident rates are provided on this site.

Not professional guidance. Content on this site offers general information and is not financial, legal, or tax advice. Verify critical details with a qualified professional.

Third-party application service. The application page brings in a third-party service that operates under its own separate terms.