Terms

Terms of use

Susman Insurance Agency—a California-licensed insurer (License 0B75129)—runs this site. It offers educational materials on term life insurance and a quoting engine that produces carrier estimates from your responses.

Quotes are informational only. The rates displayed come from carriers based on the class you picked and serve for comparison. They are not binding offers, premium guarantees, or approval assurances. Underwriting by the carrier sets the actual premium, final class, and your eligibility; the issued policy and its riders are controlling.

No insurance is created on this site. Quote requests, applications, and messages do not activate any coverage. Coverage comes into existence only when a carrier issues a policy, you accept it, and you pay the premium.

Availability fluctuates. Coverage, carriers, and pricing differ by state and individual profile and are subject to change. Quotes shown apply to California residents.

General information only. Site guides are educational in nature and not legal, tax or financial advice. Before acting on anything important, consult a licensed advisor.

Third-party service. The application page includes a third-party hosted application with its own terms and policies.