Terms

Terms of use

Susman Insurance Agency, a licensed California insurance agent (License 0B75129), runs this website. It shares general information about term life insurance and operates a tool that gets carrier quotes based on what you enter.

Quotes are estimates. The rates on this site come from carriers for the health class you said you're in, for information only. They're not an offer of insurance, a rate guarantee, or a promise that you'll be approved. Your actual premium, class, and approval depend on the carrier's underwriting; the policy they issue, with any changes they add, is what you're bound to.

No binding coverage here. Sending a quote request, filling out an application, or submitting a contact form doesn't create or guarantee insurance. Coverage begins only after a carrier approves and issues a policy, you agree to it, and you pay the first premium.

What changes. Available plans, carriers, rates, and terms vary by state and person and can shift without notice. This site shows rates for California only.

General information only. The articles and guides here are educational, not legal, tax, or financial advice. Verify anything significant with a qualified advisor.

Third-party application. The application page brings in a secure app service run by someone else and governed by their terms.