Terms of Service

These terms govern your use of lifeinsuranceindepth.com, operated by Life Insurance In-Depth ("we", "us"). By using the site you accept them. If you do not accept them, please do not use the site.

What this site is

This is an educational website about life insurance, and a way to request contact from a licensed insurance agent. That is all it is.

We are not an insurance company, not an underwriter, and not a government agency or affiliated with one. We do not issue policies, approve applications, set rates or pay claims. No page on this site is an offer to sell insurance, a solicitation of an offer, or a binder of coverage.

Not professional advice

Our guides are general information. They are not financial, insurance, legal, tax or medical advice, and they are not tailored to your circumstances. Life insurance decisions depend on facts we do not know about you. Speak with a licensed agent, and where relevant your own attorney, tax adviser or physician, before acting.

Nothing on this site should be used to make a medical decision. Never change how you take a prescribed medication because of something you read here.

Figures, rates and availability

Any premium, rate or cost shown on this site is illustrative. It is not a quote and not an offer. Actual pricing is set by an insurance carrier after underwriting and depends on your age, health, tobacco use, the product, the amount of coverage and your state.

Underwriting rules change, products are withdrawn, and carriers differ. Information that was accurate when written may not be accurate when you read it. We do not guarantee that you will be approved for any policy, or approved at any particular rate.

Where we cite third-party data such as funeral cost surveys or federal regulations, we identify the source. Those figures belong to their publishers and may be revised by them.

Requesting a quote

When you submit the quote form:

• You confirm you are at least 18 and the details you provide are your own and accurate.
• You understand your details will be forwarded to a licensed insurance agent so they can contact you about life insurance.
• You agree that agent may contact you by telephone, email or text message at the details you provided, including to discuss products from more than one carrier.
• You understand this is not an application for insurance and creates no coverage.

You can withdraw this at any time. Tell the agent to stop contacting you and we will remove your details. Consent to be contacted is not a condition of purchasing anything.

How we handle what you submit is described in our Privacy Policy.

No agent or fiduciary relationship

Using this site does not by itself create an agent-client, broker-client or fiduciary relationship between you and us or any agent. Such a relationship arises only if and when a licensed agent agrees to act for you.

Acceptable use

You agree not to:

• Submit false details, or somebody else's details without their permission
• Use the forms to send automated, bulk or abusive submissions
• Attempt to gain unauthorised access to the site or its server
• Scrape or republish substantial parts of the site without permission
• Use the site for anything unlawful

Intellectual property

The text, layout, design and original tables on this site belong to us and are protected by copyright. You may read, print and share pages for your own personal, non-commercial use, and you may quote us briefly with a link back.

You may not republish our content wholesale, or reproduce our data pages as your own. If you would like to reference our figures, please link to the page rather than copying the numbers, so readers see any later corrections.

Third-party links

We link to outside sources such as government agencies and industry bodies. We do not control them and are not responsible for their content, accuracy or availability. A link is not an endorsement.

Availability

We try to keep the site available and current, but we do not promise it will be uninterrupted or error free. We may change, suspend or withdraw any part of it at any time without notice.

Disclaimer of warranties

The site and its content are provided "as is" and "as available", without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement, to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost savings or loss of data, arising out of your use of this site, even if we have been advised such damages are possible.

Nothing in these terms limits liability that cannot lawfully be limited. Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.

Indemnity

You agree to indemnify us against claims, losses and reasonable legal costs arising from your misuse of the site, your breach of these terms, or details you submit that are not truthful or not yours to submit.

Governing law

These terms are governed by the laws of the State of Wyoming, without regard to its conflict of laws rules. You and we agree that any dispute arising from these terms or your use of the site will be brought exclusively in the state or federal courts located in Wyoming, and you consent to the jurisdiction of those courts.

Some consumer protection rights in your home state may not be waivable, and nothing here removes a right you cannot lawfully give up.

Severability and changes

If any part of these terms is held unenforceable, the rest continues to apply. We may update these terms, and the date at the top of this page shows when they last changed. Continuing to use the site after a change means you accept the updated terms.

See also our Privacy Policy.