Terms

Terms of use

Susman Insurance Agency, a California-licensed agency (License 0B75129), runs this site. We provide educational content on term life insurance and a quote tool that connects you to carrier rates based on your responses.

Quotes are estimates only. The rates displayed come from carriers for your chosen health class and are meant for reference. They don't constitute an insurance offer, a locked-in price, or approval confirmation. The actual premium, final tier, and coverage details emerge from underwriting; your issued contract and any amendments are binding.

Nothing on this site creates coverage. Requesting quotes, filling out an application, or sending a message doesn't activate any insurance. Coverage only begins when a carrier approves a policy, you accept it, and payment clears.

What's available. Plans, insurers, and prices differ based on location and your profile and can shift any time. Quotes here reflect California residents only.

General information only. Our guides provide background on life insurance but don't replace legal, tax, or financial counsel. Run important details by a qualified professional.

Third-party application service. The apply page hosts a secure application managed by an external company under separate terms.