Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance entity (License 0B75129), maintains this site. It offers educational content on life insurance topics and a quoting tool powered by carrier responses to your inputs.

Quotes are estimates only. Displayed rates come from carriers for your selected class and are educational. They represent neither an insurance offer, a committed price, nor approval assurance. Underwriting determines your final premium, actual tier, and qualification; the issued policy document is binding.

Nothing here creates coverage. Requesting quotes, submitting an application, or contacting us does not establish any insurance. A policy must be issued by a carrier, you must accept it, and payment must be made.

Availability. Products, carriers, and rates differ by location and individual and may shift without warning. Rates shown here are for California applicants.

Information. All educational content here is general information only and not legal, tax, or investment counsel. Verify anything important with a qualified advisor.

Third-party platform. The apply page hosts a secure application run by an external provider under separate terms of service.