Terms

Terms of use

Susman Insurance Agency, a state-licensed insurance business in California (License 0B75129), operates this site. It shares information about term life insurance and provides a tool that gathers carrier quotes from your inputs.

Quotes are estimates. The rates displayed come from carriers for your chosen health tier and are informational in nature. They're not a binding offer, a locked-in premium or an approval promise. The carrier determines the final rate, rating and approval decision during underwriting; the issued policy document and any amendments establish the actual terms.

Coverage doesn't start here. No insurance is created by requesting a quote, submitting an application, or reaching out through the contact form. Insurance only exists when a carrier issues a policy, you accept it and premium is paid.

Offerings change. Policies, carrier lineup and prices differ by location and individual circumstances and shift over time. Quotes reflect current offerings for California residents.

General information. Articles on this site are educational in nature and should not be taken as legal guidance, tax planning or personal financial advice. For matters that affect your situation, consult with qualified professionals.

Third-party service. The application page includes a third-party secure application under its own separate terms.