Terms

Terms of use

Susman Insurance Agency, a licensed California insurance agency (License 0B75129), operates this site. It furnishes general-interest information about term life insurance and a quoting calculator that shows what carriers quote for your situation.

Rates shown are estimates. The prices displayed are provided by carriers based on your chosen rate class, for reference purposes only. These are not insurance offers, guaranteed premiums, or approval guarantees. The carrier's underwriting process sets the actual premium, assigned class, and approval decision; the final policy document and its amendments are binding.

No insurance is effective here. Requesting quotes, filling out an application, or submitting contact forms does not activate coverage. A policy becomes effective only when the carrier approves it, you accept it, and you pay the premium.

Terms and conditions apply. Available products, carriers, and pricing differ by location, applicant, and time, and may shift without advance notice. These rates are available to California residents.

General information only. Material on this site is educational and not a replacement for legal, tax, or financial guidance from licensed professionals. Consult a qualified advisor to confirm anything that impacts your situation.

Separate platform. The application page connects to a secure service managed by a third party and governed by their separate terms.