Terms

Terms of use

Susman Insurance Agency holds California insurance agency licensing (License 0B75129) and operates this site. The site provides educational material about life insurance and a quoting tool that returns carrier estimates using your input.

Estimates only. Rates shown come from carriers for the health class you selected and are informational. They're not binding, not a guarantee of pricing, and not a promise of eligibility. The final cost, classification, and approval happen after the carrier completes underwriting; whatever is in the issued policy and its amendments is what actually applies.

No coverage exists here. Entering information in a quote form, submitting an application, or sending a contact form doesn't bind coverage. Coverage comes into being only once a carrier issues a policy, you formally accept it, and you've paid.

Coverage varies. Products, available carriers, and prices change based on location and applicant profile and may shift without advance notice. The quotes displayed are specific to California residents.

Educational material only. Content on this site shares general information and doesn't represent legal counsel, tax guidance, or financial advice. Before making important decisions based on anything here, consult with a qualified professional.

Third-party application system. The application page uses a secure application platform provided by another company, and that platform's separate terms of service apply.