Terms

Terms of use

Susman Insurance Agency, a California-licensed insurer (License 0B75129), runs this website. It provides general education about term life and a quoting tool based on your inputs.

Quotes are estimates only. The rates come from carriers for your selected rating and are informational only. They do not constitute a coverage offer, a guaranteed premium, or approval assurance. Underwriting determines the final premium, rating and approval.

No binding agreement here. Requesting a quote, submitting an application, or sending a message does not create coverage. Insurance only starts when a carrier approves a policy and you pay the first premium.

Product and carrier terms change. Coverage, carriers and rates differ by state and applicant. Rates shown are for California residents.

General guidance only. Articles here are educational materials, not legal, tax or financial guidance. Verify anything essential with a qualified professional.

Third-party system. The apply page hosts an application system operated independently under separate terms.