Terms

Terms of use

Susman Insurance Agency—a California insurance agent holding License 0B75129—operates this platform. It provides educational information about term life and a tool to gather carrier quotes on the basis of your input.

Estimates only. Rates cited are what carriers have provided for your chosen health class and are presented informally. These do not create an offer of insurance, guarantee a rate, or promise you'll be approved. The insurer sets the ultimate rate, classification and acceptance based on its underwriting; the policy that is issued and its amendments are what actually govern your coverage.

No agreement is active here. Requesting a quote, submitting an application or sending a message does not initiate coverage. A live policy exists only after an insurer approves you, you accept it, and you remit payment.

State rules and applicant eligibility. Products, carriers and pricing shift by state and person and may shift at any moment. Quotes displayed here apply only to those living in California.

Education only. The guides available here offer general knowledge and are not a substitute for lawyer, accountant, or financial advisor counsel. Verify anything crucial with a professional you trust.

Third-party application. The application section displays a separate secure service operated by insurance carriers under its own terms of service.