Terms

Terms of use

This website is operated by Susman Insurance Agency, a state-licensed insurance agency in California (License 0B75129). The site provides educational resources about term and permanent life insurance options plus a quoting tool that calculates carrier rates based on your information.

Quotes reflect estimates only. The rates shown here are calculated by carriers for the classification you selected for informational purposes only. These are not insurance offers, locked-in prices, or approval guarantees. Carriers establish the final premium, classification and approval status through their own underwriting review; the terms of the policy as issued control all coverage.

Coverage is not automatic. Requesting a quote, submitting an application, or sending a message through this website does not establish insurance protection. Coverage only begins when a carrier formally issues a policy that you accept and have paid for.

Coverage options vary. Insurance products, carriers, and pricing are state-specific and subject to change. The quotes displayed on this site are calculated for California applicants.

Disclaimer. Material on this site provides general information only and should never be construed as legal counsel, tax guidance or financial advice. Verify anything affecting your decisions with a qualified professional.

External application service. The application page incorporates a secure service managed by a third party under separate terms of service.