Terms

Terms of use

Susman Insurance Agency, a California insurance agency licensed (License 0B75129), runs this site. It explains term life insurance and provides a tool for getting carrier quotes based on your responses.

Quotes are approximations. Rates are provided by carriers for the class you selected and are informational only. They are not an offer, rate lock or approval promise. The carrier's underwriting, not this site, sets your final rate, class and go-ahead. The issued policy and any riders are what apply.

No binding coverage here. Requesting quotes, applying or messaging doesn't create coverage. Coverage begins only when a carrier issues and accepts a policy.

Availability. Products, insurers and rates shift by state and applicant and may change. Only California resident quotes are shown.

Information. The guides are informational and not legal, tax or financial advice. Talk to a professional about matters that affect your situation.

Third-party platform. The apply page connects to a third party's secure application system with its own terms.