Terms of Service

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 these Terms 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.

Agreement to Terms

By accessing this website, you agree to these Terms of Service. If you do not agree, please do not use this Service. These Terms apply to all visitors, users, and anyone who accesses or uses the Service.

Services Description

Life Insurance Coverage is a licensed independent insurance agency. We help consumers compare and obtain life insurance products from licensed carriers. We act as an intermediary — we do not underwrite, issue, or administer insurance policies. We are compensated by carriers when a policy is placed, at no additional cost to you.

No Insurance Advice

Information on this Service is for general informational purposes only. It does not constitute insurance, legal, financial, or tax advice. For advice specific to your situation, consult a licensed professional who can review your personal circumstances directly.

User Responsibilities

When using this Service, you agree to:

• Provide accurate and complete information when requesting a quote or submitting a form
• Use this Service only for lawful purposes
• Not attempt to gain unauthorized access to any part of this Service or its systems
• Not misuse or interfere with the operation of this Service

Prohibited Uses

You may not use this Service to:

• Submit false or misleading information
• Scrape, copy, or reproduce content without written permission
• Distribute spam, malware, or unsolicited communications
• Impersonate any person or entity

Intellectual Property

All content on this website — including text, graphics, logos, and design — is the property of Life Insurance Coverage and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without prior written permission.

Google Ads and Lead Generation

We may use Google Ads or similar platforms to promote this Service. If you submit your contact information through an ad or form on this Service, you consent to being contacted by a licensed agent for insurance-service purposes, consistent with our Privacy Policy and applicable law.

Waiting Periods

Some insurance products available through this Service, particularly guaranteed acceptance final expense policies, 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. Confirm all policy terms with your licensed agent before applying.

Licensing and Coverage Disclosure

Life Insurance Coverage is licensed in 49 states and is not currently licensed in New York. Coverage availability, pricing, and underwriting decisions are determined by the issuing carrier and may vary by state, age, health status, and other factors.

Disclaimer of Warranties

This Service is provided "as is" without any warranty, express or implied. We do not guarantee the accuracy, completeness, or suitability of any information on this Service for any particular purpose.

Limitation of Liability

Life Insurance Coverage will not be liable for any indirect, incidental, special, or consequential damages arising from your use of this Service or reliance on its content. Our total liability for any claim related to this Service will not exceed the amount you paid us, if any, in the 12 months preceding the claim.

Governing Law

These Terms are governed by the laws of the State of New Hampshire, without regard to conflict of law principles.

Changes to Terms

We may update these Terms at any time. When we do, the "Last Updated" date will change. Continued use of this Service after an update means you accept the revised Terms.

Contact Us

Questions about these Terms? Contact Life Insurance Coverage at contact@lifeinsurancecoverage.co or call (888) 550-7159.