Terms

Terms of use

Susman Insurance Agency, a California licensed insurance firm (License 0B75129), runs this site. It provides general information about term life insurance and a tool for carrier rate quotes based on your answers.

Quotes are estimates. Carriers provide the rates based on the class you chose; they're for information only. They aren't an offer, a price guarantee, or a promise of approval. The carrier's underwriting determines the final premium, class and eligibility. The issued policy and amendments to it control coverage.

No coverage is created here. Entering a quote request, submitting an application, or filling out a contact form doesn't start coverage. Coverage begins only when a carrier issues a policy, you accept it, and you pay.

Availability. Products, carriers and rates vary by state and individual and shift without notice. These quotes are for California residents.

Information. Everything here is general and not legal, tax or investment advice. Check anything important with a licensed expert.

Third-party application system. The application page uses a third-party secure service with its own terms.