Terms

Terms of use

Susman Insurance Agency (California License 0B75129) runs this site. We offer educational material on term life insurance and a quotation engine that retrieves carrier rates based on your input.

All quotes are approximations. The prices displayed represent estimates from carriers for your selected rating level and serve as reference material only. These are not insurance offers, premium guarantees, or approval assurances. Your actual premium, final rating, and eligibility depend on the carrier's underwriting conclusion; the final policy language is what governs.

No binding coverage occurs on this site. Whether you request a quote, start an application, or send a message, none of these actions establish coverage. A policy becomes binding only after a carrier issues it, you accept it, and payment clears.

Product availability. Carriers, offerings, and pricing differ by state and individual situation and may shift unexpectedly. We show estimates for California residents only.

General information. Our educational resources are broad-based and don't constitute legal, accounting, or investment guidance. Consult a qualified professional before making decisions affecting your finances.

External application system. When you proceed to apply, you're transferred to a third-party provider's platform, which operates under separate terms.