Terms

Terms of use

Susman Insurance Agency, a California-licensed insurer agency (License 0B75129), runs this site. It gives general information on term life insurance and a quoting tool that returns rates from carriers.

Quotes are estimates. Carrier quotes are supplied for the class you selected and are informational only. They are not offers, guarantees, or approval promises. Actual premium, class, and approval result from carrier underwriting; the final policy document controls.

No coverage is bound here. Requesting a quote, filing an application, or sending a message does not create or change coverage. Coverage requires a carrier to issue a policy, you to accept it, and you to complete payment.

Availability. Products, insurers, and pricing differ by state and applicant, and change at any time without notice. Quotes are for California residents.

Information. The guides on this site are general education and not legal, tax, or financial counsel. Check details that matter to you with a qualified advisor.

Third-party platform. The apply page uses a third-party application platform run under separate terms of service.