Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), operates this site. It provides educational content about term life insurance and a tool for retrieving quotes from carriers based on your input.

Quotes are estimates only. These rates come from carriers for the rate tier you picked and are offered for informational purposes only. They do not constitute an offer of insurance, a binding rate guarantee, or an approval promise. The carrier's underwriting process will determine your actual rate, rate class, and whether you qualify; the issued policy contract will be the controlling document.

Nothing here creates coverage. Entering a quote request, filing an application, or writing us a message does not activate any insurance. Coverage only exists when a carrier issues a policy document and you have signed, received, and paid for it.

Geographic and product variation. Offerings, carriers, and pricing differ across states and individual applicants and are subject to change. These quotes are for California applicants only.

General information only. The guides here are educational and are not legal, tax, or financial advice. Always confirm information that affects your decisions with a qualified professional.

Third-party application. The apply section runs a secure application under a third party's own terms and conditions.