Terms

Terms of use

Susman Insurance Agency, a licensed California insurance company (License 0B75129), manages this website. It distributes general life insurance information and delivers a tool for obtaining rates directly from carriers based on the information you provide.

Quote information is not a guarantee. The rates on display come from carriers for the classification you chose and exist only for information. They are not an insurance agreement, a rate lock, or approval confirmation. The carrier's underwriting determines the final rate, classification and whether coverage is available; what the carrier issues controls all terms.

No contract is established here. Requesting a quote, completing an application, or filling out a contact message does not create any insurance contract. An agreement only comes into being once the carrier issues a policy and it receives approval and payment.

Availability and changes. Insurance products, available carriers, and pricing are state-dependent and subject to change at any time. Information shown here is for California residents only.

Educational content. The guidance on this site is informational and not legal, tax, or investment guidance. Consult with a qualified professional for any conclusions that affect your situation.

Third-party service. The application page loads a third-party application tool governed by its own separate terms.