Terms

Terms of use

Susman Insurance Agency, a California insurance agent licensed by the state (License 0B75129), is the operator of this website. The site distributes educational content on term coverage and a system to retrieve carrier rate quotes depending on your responses.

Quotes as estimates. The rates you see are what carriers have given for the rating category you picked; they are reference material only. They are not an insurance guarantee, a price commitment, or a certainty of approval. The underwriting process ultimately sets the rate, rating, and your qualification; the delivered policy document is what's binding.

No coverage forms here. Entering quote information, starting an application, or contacting us through a form does not activate coverage. Coverage becomes real only after a carrier produces a policy, you formally accept it, and payment is made.

Coverage availability. The products, insurance companies and pricing available change by state and person and can shift at any moment. For inhabitants of California, quotes are displayed here.

General information. Content on this site offers general guidance and is not legal, accounting or financial advice. Before relying on any information here that matters to your situation, consult a qualified advisor.

Third-party service. The application page brings in a secure service from another company and operates within its terms of use.