Terms

Terms of use

Susman Insurance Agency, a California-licensed firm (License 0B75129), operates this website. Its role is providing general information about term life and a quoting tool that retrieves carrier rates from your inputs.

Quotes are for information only. Carriers provide these quotes for the rate class you picked. They are not offers of insurance, guarantees of a rate, or assurances of approval. The carrier determines final rates, class, and eligibility through underwriting; the issued policy and its riders set your actual coverage.

No binding coverage here. Requesting quotes, submitting an application, or sending a contact form does not create or alter coverage. Coverage activates only when a carrier issues a policy, you accept it, and premiums are paid.

Availability varies. Products, insurers, and rates differ by state and person and can shift anytime. West Hollywood quotes apply to California residents.

Educational content only. Articles on this site explain general insurance concepts and are not legal, tax, or financial advice. Talk to licensed professionals about anything that matters to your situation.

Third-party application. When you apply, you'll use a secure system run by a third party under its own terms of service.