Terms

Terms of use

Susman Insurance Agency, a licensed California insurance business (License 0B75129), operates this website. Its function is disseminating educational material about term insurance and running a quotation system pulling rates dependent upon the details you submit.

Rates are not guaranteed. Displayed premiums originate from carriers for your selected risk tier and serve educational purposes only. These do not represent binding promises, assured costs, or approval certainty. After completing underwriting, your carrier establishes your real premium, actual classification, and eligibility; the policy documents ultimately define all terms.

No insurance is created through this website. Submitting quotes, applications, or inquiries does not activate coverage. Actual protection only comes into effect when a carrier issues a policy, you formally accept it, and payment is received.

Products may vary. Available carriers, product types, rates and eligibility differ by geographic region and individual circumstances and fluctuate over time. Quotes shown correspond to California-based applicants.

Educational content only. Pages offering guidance here represent broad education and should not be mistaken for legal guidance, accounting advice, or professional investment counsel. Always confirm consequential choices with a licensed expert.

Outside provider. Application functions run on a third party's protected server following their separate contractual terms.