Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), runs this website. It shares general educational content on life insurance and provides a quoting tool that returns carrier estimates based on the facts you submit.

Estimates, not guarantees. Rates shown are what carriers quote for the class you picked, provided as information only. They are not an insurance offer, a premium guarantee, or an approval promise. Underwriting fixes the final premium, class, and eligibility; the written policy and its amendments take priority.

No policy exists here. Submitting a quote request, completing an application, or sending a contact message creates no coverage. Coverage is real only when a carrier issues a policy, it's accepted by you, and payment is made.

Coverage varies. Products, carriers, and rates shift by state and applicant and can change without warning. Quotes are calculated for California residents.

General information. Articles here are educational only and are not a substitute for legal, tax, or financial advice. Verify anything consequential with a qualified professional.

Third-party platform. The application page imports a third-party application system under its own separate terms.