Terms

Terms of use

Susman Insurance Agency, licensed to operate in California (License 0B75129), runs this site. Its primary purpose is sharing general information on term life insurance and operating a quotation system where you enter information and receive carrier pricing.

Quotes are estimates only. Rates shown reflect what carriers quote for the class you selected and are given just for reference. They are not an insurance contract, a guaranteed premium, or a statement that you'll be approved. The carrier's underwriting determines the final rate, class, and whether you qualify; the issued policy governs the actual coverage.

No coverage happens here. Using the quote tool, sending an application, or contacting us doesn't create or bind any insurance. Insurance coverage only takes effect when a carrier issues a policy and you have accepted and paid for it.

What's available. Products, carriers, and rate quotes change depending on where you live and your situation and may shift without prior notice. We present quotes for California applicants.

General information only. Content on this site provides overview information and does not constitute legal, financial, or tax counsel. When something matters to your household, speak with a qualified professional.

Outside platform. The application page incorporates a carrier-operated secure form operating under separate terms.