Terms

Terms of use

Susman Insurance Agency, which holds a California insurance license (License 0B75129), operates this website. It furnishes educational resources on term insurance and operates a quoting tool that retrieves carrier rates using information you provide.

Quotes are not guarantees. The rates displayed come from carriers for your selected classification and are offered for reference only. These are not offers, guarantees of price, or promises of approval. The final rate, classification and approval determination result from the carrier's underwriting process; the delivered contract and any attached provisions take precedence.

No insurance is purchased here. Requesting a quote, submitting an application or sending a message does not establish coverage. Insurance comes into being only when a carrier underwrites a policy, you accept it and you remit payment.

Availability. Insurance products, participating carriers and fees differ by state and applicant eligibility and can shift at any time. Quotes are available to California residents.

Knowledge here. Website materials are introductory in nature and do not constitute legal, tax or investment guidance. Get professional guidance on anything consequential to your situation.

Outside services. The application page uses a secure application platform operated by an external service subject to its own separate conditions.