Terms

Terms of use

Susman Insurance Agency, a California-accredited insurance broker (License 0B75129), runs this site. It supplies consumer information on term life insurance and a tool for retrieving carrier estimates based on your input.

Informational only. Carriers supply the rates for your selected class purely for comparison. They don't constitute a coverage offer, cost guarantee, or approval promise. The issuing carrier determines the final cost, class, and eligibility post-underwriting; the delivered policy language governs everything.

Not binding. Requesting a quote, submitting an underwriting application, or messaging support does not activate any coverage. Policies arise solely when a carrier approves and issues one, you authorize it, and payment is received.

Coverage limitations. Offered products, participating carriers, and pricing fluctuate by location and applicant and shift regularly. Quotations target California dwellers.

General guidance. Content here gives broad context and cannot substitute for legal, financial, or tax counsel. Verify material matters with a credentialed advisor.

External service partner. When applying, an external platform manages the secure application using their separate policies.