Terms

Terms of use

This website belongs to Susman Insurance Agency, a California-licensed insurance firm (License 0B75129). It delivers information about term and permanent life insurance and runs a tool for collecting quotes from carriers based on what you share.

Quoted rates are not guarantees. The rates you see come from carriers for the rating you chose and are provided for information only. These estimates do not represent an insurance offer, a price lock, or approval confirmation. The final monthly rate, your assigned rating, and acceptance are determined through the carrier's evaluation; any policy issued and its specifications are what actually apply.

Coverage is not active on this site. Completing a rate request, submitting an application, or filling out a contact form does not activate any insurance. A policy becomes active only when a carrier issues it to you and you accept the terms.

Terms and conditions vary. Insurance options, carriers, and prices fluctuate by geography and individual situation and are subject to change. Rates and coverage displayed are for California applicants.

General guidance. Material on this site offers overview information and is not a substitute for legal counsel, tax guidance, or personalized financial planning. For matters that impact your decision, consult a qualified professional.

Third-party service. The application section incorporates a third-party application platform operating under independent terms of service.