Terms of Service

Last updated: July 28, 2026

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

Services Description

This website provides a free service that connects consumers seeking life insurance with licensed insurance agents. We are not an insurance company and do not underwrite or issue insurance policies. We facilitate introductions between consumers and licensed insurance professionals.

No Insurance Advice

The information provided on this website is for general informational purposes only and does not constitute insurance advice. All insurance-related decisions should be made in consultation with a licensed insurance agent who can evaluate your specific circumstances and needs.

Quotes and Pricing

Any quotes referenced on this website are estimates only. Actual insurance premiums are determined by the insurance carrier based on factors including but not limited to age, health status, coverage amount, and policy type. Final rates and coverage terms are subject to the insurance carrier's underwriting guidelines.

User Responsibilities

When using our services, you agree to:

Consent to Contact

By submitting your information through our quote request form or calling our phone number, you consent to being contacted by a licensed insurance agent regarding your quote request. You may receive calls, text messages, or other communications at the phone number you provided. You can opt out of future communications at any time by informing the agent directly.

Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written consent.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of any third-party sites.

Disclaimer of Warranties

This website and its services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or timeliness of the information on our website.

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this website. Your continued use of our website following any changes constitutes acceptance of the revised terms.

Contact

If you have questions about these Terms of Service, please contact us by phone using the number listed on our website.