Terms

Terms of use

Susman Insurance Agency, licensed in California (License 0B75129), runs this site. It offers background on term protection and a quoting tool that pulls rates from carriers using your inputs.

Estimate only. Displayed rates come from carriers for your chosen bracket and are informational. They do not constitute an insurance offer, price commitment, or approval guarantee. Carriers set the true premium, approval and tier through underwriting review; the final issued policy governs all terms.

No binding agreement. Requesting quotes, filling an application, or sending a message does not activate coverage. Protection takes effect only upon carrier approval, acceptance, and premium payment.

State and changes. Products, carriers, and rates differ by location and profile and are subject to updates. Quotes displayed are for California.

Educational only. Content here is broad information, not professional guidance in law, taxation or planning. Check with a qualified expert on matters affecting your situation.

External service. The application interface runs on a third-party secure platform subject to separate terms.