Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), runs this website. It provides factual information on term life insurance and a quotation tool based on your inputs.

Quotes are estimates. Rates come from carriers for the class you picked and are information only. They're not a guarantee, offer or promise of approval. Final rates, class, and approval are carrier decisions made through underwriting; the issued policy and its riders control.

No coverage is created here. Quotes, applications, and contact messages do not bind coverage. Coverage begins only when a carrier issues and accepts a policy, and you pay.

Availability. Policies, carriers and rates change by state and individual and shift over time. Quotes are available to California residents.

Information. Content here is educational and not legal, tax or financial advice. For anything material to your decision, consult a licensed professional.

Third-party platform. The application page uses a separate secure platform run by a third party under its own terms of service.