Terms

Terms of use

Susman Insurance Agency, a California insurer license holder (License 0B75129), operates this site. It supplies educational content on life insurance and a tool to retrieve quotes from carriers based on your responses.

Quotes are illustrative. Rates are supplied by carriers for your chosen category and provided only for information. They are not insurance contracts, premium guarantees, or acceptances. The carrier determines final rates, class, and eligibility through its underwriting; the issued policy and riders take precedence.

No coverage is bound here. Submitting a quote, an application, or contact form does not establish, alter, or create insurance. Coverage takes effect only when an insurer issues a policy, you accept it, and it is paid for.

Availability. Products, carriers, and pricing change by state and person and can shift without warning. Only California residents receive quotes.

Information. Articles here are general educational material and are not professional advice (legal, tax, financial). Validate any important detail with a qualified professional.

Third-party platform. The application page uses a third-party application service governed by its separate terms.