Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance business (License 0B75129), manages this website. It furnishes educational material on life insurance and a quoting feature that returns carrier rates based on your information.

Quotations represent estimates only. Displayed rates are shared by carriers for your specified classification and are educational in character. These are not binding insurance offers, rate guarantees, or approval commitments. Your carrier determines final rates, classification, and approval eligibility through their evaluation process; the issued contract and amendments take precedence.

Coverage is not created here. Submitting a quote inquiry, completing an application, or sending a contact message does not establish active coverage. Insurance protection begins only when a carrier releases a policy that you accept and remit payment for.

Product availability. Carriers, products, and pricing fluctuate based on geography and applicant situation and may shift without warning. Quotations are generated for California applicants.

Educational content. Articles on this website deliver general information and should not be viewed as legal counsel, tax guidance, or financial direction. Consult a qualified professional regarding matters relevant to your circumstance.

Third-party service. The application flow includes a third-party secure application interface governed by its own contract.