Terms

Terms of use

Susman Insurance Agency, holding a California insurance license (0B75129), runs this site. It offers background on how term life works and a tool to fetch quotes from carriers based on what you tell us.

Quotes are ballpark figures. The rates come from carriers based on the class you chose and are just for reference. They're not an insurance offer, a locked-in price, or a guarantee you'll qualify. The carrier sets the final rate, class, and eligibility after underwriting; what they actually issue—plus any changes they add—is what's binding.

Nothing you do here locks in coverage. A quote request, an application, or a message to us does not create any insurance. Insurance only begins when a carrier issues you a policy, you approve it, and it's paid.

What's available changes. Insurance products, which companies offer them, and the prices all depend on where you live and who you are, and can shift anytime. We show quotes for California residents.

What we say here. The guides are big-picture, not legal or tax advice, and not personalized money guidance. Check anything important with a qualified professional.

Outside application system. The application page brings in a secure form managed by a third party, which has its own terms.