Terms

Terms of use

This resource is managed by Susman Insurance Agency, a California-licensed broker (License 0B75129). The website furnishes educational material on term life insurance and an online platform returning rates based on your responses.

Rates are projections. Listed rates are supplied by carriers for your chosen rate class and provided for reference only. They are not an insurance contract, a rate guarantee, or approval confirmation. Final premium, classification, and acceptance are determined by the carrier's underwriting process; the issued contract and amendments are controlling.

No coverage is created through this site. Requesting a quote, filing an application, or sending a message establishes no coverage. Insurance becomes effective only when a carrier issues a policy and you approve and pay for it.

Coverage and Rates. Product choices, insurance providers and pricing differ by location and individual. Quotes shown are for California applicants. Terms and availability are subject to change.

Educational Material. Content on this site is informational and not professional counsel in law, accounting or financial management. Validate critical matters by consulting licensed specialists.

Third-Party Service. The application portal involves a third-party system governed by its own terms.