Terms

Terms of use

Susman Insurance Agency, License 0B75129 in California, operates this site. It delivers educational content about term life insurance and a quoting tool that returns rates from carriers based on your responses.

Quotes are estimates for information only. Carriers provide the rates based on the class you chose; these are not a binding offer, a guaranteed premium, or confirmation of approval. The carrier's underwriting process sets the final rate, class and whether you qualify; what the issued policy says controls everything.

No coverage is bound by this site. A quote request, application submission, or contact form does not activate or establish any coverage. Insurance begins only once a carrier issues you a policy, you accept it, and payment is made.

Availability. Coverage options, participating carriers and quoted rates change based on location, applicant situation, and market conditions without prior notice. All quotes on this site are for California residents.

Educational information only. The guides presented here are general in nature and should not be treated as legal counsel, tax advice, or financial guidance. Before acting on anything important, consult with a qualified professional.

Third-party application platform. The application page uses a secure service run by a separate company with its own terms and conditions.