Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance agency (License 0B75129), operates this website. It serves as a general educational resource on term life insurance and offers a platform that delivers carrier quotes tailored to your responses.

Quotes represent estimates. The rates displayed originate from carriers for your chosen rate class and serve as informational references only. They do not constitute an insurance offer, a premium guarantee, or an approval guarantee. The carrier's underwriting process establishes your actual premium, rate class, and eligibility; the finalized policy and any amendments are binding.

No binding coverage forms through this site. A quote inquiry, an application submission, or a contact request does not activate any coverage. Coverage becomes valid only after a carrier issues a policy, you formally accept it, and payment is made.

Availability. Product offerings, participating carriers, and rate structures differ by state and applicant profile and are subject to change at any time without notification. Quotes presented reflect rates available to California residents.

Information. Educational materials here are informational in nature and do not serve as legal, tax, or investment guidance. Verify anything material to your situation with a qualified professional.

Third-party platform. The application page incorporates a secure application system run by a third party according to its own terms and conditions.