Terms

Terms of use

This site is run by Susman Insurance Agency, a California-licensed insurance firm (License 0B75129). We offer educational content about term life insurance as well as a quote generator powered by carrier pricing for your information.

Quotes are estimates. The rates you see come from carriers for your selected health class and are for reference only. They are not an insurance offer, a commitment to any price, or a guarantee of approval. The carrier's underwriting process sets your actual monthly cost, final health class, and eligibility; the policy issued (with all endorsements) is what controls.

No coverage is bound here. Submitting quotes, applications, or messages through this website does not establish any insurance coverage. Coverage only takes effect when the carrier issues a policy that you then accept and pay for.

Availability. Insurance products, available carriers, and pricing are subject to state regulation and individual factors; they may shift without notification. We show quotations for California residents only.

Information. Site content presents general overview material and should not be construed as legal counsel, tax guidance, or financial recommendations. Consult qualified professionals regarding significant matters.

Third-party platform. A protected application system run by an external vendor per that vendor's conditions appears on the application page.