Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance firm (License 0B75129), operates this site. We provide educational material on life insurance and a tool for gathering carrier quotes based on your responses.

Quotes are not final. Carriers provide these estimates for your chosen health rating for informational purposes alone. They're neither an insurance contract, a price guarantee, nor a commitment of approval. Your carrier decides the true premium, class, and acceptance through underwriting; the policy document governs.

No contract is made here. Entering a quote inquiry, applying, or emailing us doesn't create a policy or any binding commitment. A real policy starts only when a carrier issues one, you accept it, and payment clears.

Coverage terms may vary. Insurance products, carriers available, and rates differ by state and applicant situation and shift without warning. The quotes you see are for California living residents.

Education, not advice. All guides here are informational only, not professional tax, legal, or investment guidance. Always verify anything significant with a qualified professional.

Third-party application service. The application page employs a third-party platform governed by its own terms and privacy policies.