Last updated: January 1, 2025
Independent Agency Disclosure
Life Insurance Coverage is an independent insurance agency. We are not affiliated with, endorsed by, or acting on behalf of any single insurance carrier. We work with multiple carrier partners and may display carrier names or logos for identification purposes only.
Interpretation and Definitions
Interpretation
Capitalized words in this Disclaimer carry the meanings described below, whether they appear in singular or plural form.
Definitions
- Company means Life Insurance Coverage.
- Service means this website and any related lead-generation or policy-support services.
- Website means this website and its published content.
- You means the individual accessing or using the Service.
Disclaimer
The information on this Service is for general informational purposes only. We aim to keep content current and accurate, but we make no guarantee that all information, examples, or descriptions will remain complete, current, or applicable to every situation.
External Links Disclaimer
This Service may include links to third-party websites or carrier resources we do not control. We are not responsible for the availability, content, accuracy, or privacy practices of those external sites.
Errors and Omissions Disclaimer
Insurance products, underwriting rules, pricing, and licensing requirements change. Even when we act carefully, errors, delays, omissions, or outdated statements may appear in website content. We are not responsible for results that arise from relying solely on website content without confirming current details with a licensed agent or issuing carrier.
Fair Use Disclaimer
Some content on this Service may reference trademarks, logos, or protected material belonging to third parties. Any such use is for identification, commentary, comparison, or informational purposes only. If you believe copyrighted material has been used improperly, contact us and we will review the matter.
Views Expressed Disclaimer
Any opinions, examples, or educational commentary published on this Service are intended to provide general guidance and do not reflect the position of any carrier, regulator, employer, or other third party. User-submitted comments or messages remain the responsibility of the person who submitted them.
No Responsibility Disclaimer
Nothing on this Service should be treated as legal, tax, accounting, financial, or other professional advice. Website content does not replace a review of your personal circumstances with a qualified adviser, licensed insurance professional, or the issuing carrier.
Use at Your Own Risk Disclaimer
All information on this Service is provided "as is" without warranties of any kind, express or implied. Your use of this Service and any decisions made based on its content are at your own risk.
Google Ads Disclaimer
We may use Google Ads or similar advertising platforms to promote our services and generate quote or callback inquiries. If you choose to engage with our ads and submit your contact information, you consent to being contacted for insurance-service purposes in accordance with our Privacy Policy and applicable law.
Licensing and Coverage Disclosure
Life Insurance Coverage is licensed in 49 states and is not currently licensed in New York. Coverage availability, pricing, policy terms, and underwriting decisions are determined by the issuing carrier and may vary based on age, health, gender, location, and other eligibility factors.
Waiting Periods
Some policies, especially guaranteed acceptance final expense products, may include a graded death benefit or waiting period of up to 24 months. During that period, the full face amount may not be payable for all causes of death. Review carrier-specific details with your licensed agent before applying.
Contact Us
If you have questions about this Disclaimer, contact Life Insurance Coverage at contact@lifeinsurancecoverage.co, call (888) 550-7159, or use our Contact page.