Terms

Terms of use

Susman Insurance Agency (License 0B75129), a California-regulated insurance broker, operates this site. Its function: insurance education and a quoting interface tied to carrier rates.

Quote amounts are approximate. Each carrier provides rates for your chosen health class as information; not a commitment, guarantee or offer. Actual premium, class and acceptance are set through underwriting. Issued documents and riders supersede all quotations.

No insurance binds from this site. Submitting quotes, applications or inquiries produces no contract. An insurer must issue a policy; you must accept and pay it to be insured.

Terms differ. Insurers, plans, premiums and acceptance criteria vary per state and individual. Displayed quotes apply to California.

Education materials. This site publishes general guidance; it is not law, tax strategy or personalized financial counsel. Consult a qualified professional for important choices.

Third-party application. The apply page includes an external application system and its own license terms.