Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance company (License 0B75129), runs this website. It provides general information about term life coverage and a quote tool that retrieves rates based on your input.

Quotes are estimates only. Shown rates come from carriers for the class you entered and are for reference. They do not bind the carrier to a price, guarantee approval, or represent a binding offer. The carrier sets the final rate, class, and eligibility through underwriting; the policy and its terms control all coverage.

No coverage is created here. Submitting a quote request, beginning an application, or messaging through the contact form does not activate coverage. Coverage begins only when a carrier issues a policy and you approve and pay for it.

Availability. Carriers, products, and rates differ by state and applicant and may shift at any time. Quotes are shown for California applicants.

Information. Content on this site is general in nature and does not constitute legal, tax, or financial counsel. Verify anything important with a qualified professional.

Third-party application. The application page hosts an external platform with its own policies.