Terms

Terms of use

Susman Insurance Agency operates this site and holds a California insurance license (License 0B75129). The site furnishes general education on life insurance and operates a tool that generates carrier rate quotes using your personal responses.

Quotes are approximate. The rates presented come from carriers based on the classification you selected and are provided as reference material only. These quotes are not an insurance offer, a rate promise, or a guarantee of approval. The carrier determines the final rate, your classification, and whether you qualify through their underwriting process. Only the issued policy and its terms matter.

Coverage is not created here. Submitting rate quotes, an application, or a message does not activate or create insurance. Insurance only becomes effective once a carrier issues a policy, you formally accept it, and you make payment.

Availability. The products available, which carriers offer them, and the rates they charge fluctuate depending on your state and circumstances and may shift without advance notice. California residents see quotes here.

Educational material. Articles on this website offer general information and are not professional legal, tax, or investment guidance. Validate any information that impacts your decisions with a qualified specialist.

Third-party application system. The application page incorporates a third-party secure application service operated separately and governed by its own policies.