Terms

Terms of use

Susman Insurance Agency, a California-licensed insurance firm (License 0B75129), operates this website. It delivers general facts about term coverage and provides software that gets carrier estimates based on your answers.

Quotes are estimates. Carriers provide the rates for the health class you chose, for information only. They are not an insurance offer, a rate guarantee, or a promise of approval. After underwriting, the actual rate, class, and approval terms are set by the company; the issued policy and its details are final.

No coverage is created here. Filling out a quote, an application, or a contact form does not start a policy. A policy only exists once a carrier issues it, you approve it, and it's paid for.

Who offers what. Carriers, products, and rates change by state and person and may shift. Quotes are shown for California residents.

Educational. Content on this site shares general knowledge and is not legal counsel, tax guidance, or financial advice. Verify anything important with a certified expert.

Third party service. The application page uses an outside firm's secure application system under its own terms.