Terms of Service

1. Acceptance of Terms

By accessing and using the Life Insurance Protection website ("Website"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Website.

These Terms constitute a legally binding agreement between you and Life Insurance Protection ("we," "our," or "us"). We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting.

2. Description of Services

Our Website provides educational information and tools related to life insurance products, including:

• Educational content about life insurance products (whole life, term life, IUL, annuities)
• Interactive coverage assessment tools and calculators
• Lead capture forms to connect you with licensed insurance professionals
• Self-serve portal access for quoting and enrollment
• Information about insurance products and strategies

Important: This Website is for educational and informational purposes only. It is not a solicitation to buy or sell insurance products. All insurance products are subject to carrier underwriting and approval.

3. Not Insurance Advice

This Website does not provide insurance, financial, legal, or tax advice. The information provided is general in nature and should not be considered as personalized advice for your specific situation.

You should consult with a licensed insurance professional, financial advisor, attorney, or tax professional before making any decisions regarding insurance products or financial planning.

Quotes, estimates, and recommendations provided through this Website are informational only and do not constitute an offer to sell insurance. Actual coverage, rates, and terms are subject to carrier underwriting, approval, and state-specific regulations.

4. User Responsibilities

By using this Website, you agree to:

• Provide accurate, current, and complete information when requested
• Maintain the security of any account credentials
• Use the Website only for lawful purposes
• Not attempt to gain unauthorized access to any part of the Website
• Not use the Website to transmit harmful code, viruses, or malicious software
• Not interfere with or disrupt the Website or servers
• Comply with all applicable laws and regulations

5. Intellectual Property

All content on this Website, including text, graphics, logos, images, software, and other materials, is the property of Life Insurance Protection or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit any content from this Website without our express written permission.

6. Third-Party Links and Services

Our Website may contain links to third-party websites, including insurance carrier portals, self-serve platforms, and other external resources. We are not responsible for:

• The content, accuracy, or availability of third-party websites
• The privacy practices of third-party websites
• Any transactions or interactions you have with third parties
• Any products or services offered by third parties

Your use of third-party websites is at your own risk and subject to their respective terms of service and privacy policies.

7. Insurance Product Disclaimers

Important Disclaimers:

• No Guarantee of Coverage: Submission of information does not guarantee insurance coverage or approval. All applications are subject to carrier underwriting and approval.
• State-Specific Regulations: Insurance products, rates, and availability vary by state. Not all products may be available in your state.
• Rate Variations: Actual rates may differ from estimates based on health, age, lifestyle, and other underwriting factors.
• Policy Terms: Policy terms, conditions, and exclusions are determined by the insurance carrier and outlined in the policy contract.
• Licensing: Insurance products are sold by licensed insurance professionals in accordance with state regulations.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LIFE INSURANCE PROTECTION AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Errors or omissions in Website content
• Interruptions or unavailability of the Website
• Decisions made based on information from this Website
• Any insurance-related outcomes or results

Our total liability for any claims arising from your use of this Website shall not exceed the amount you paid to us, if any, or $100, whichever is greater.

9. Disclaimer of Warranties

THE WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, completeness, or reliability of content
• Uninterrupted or error-free operation

We do not warrant that the Website will meet your requirements or be available on an uninterrupted, secure, or error-free basis.

10. Indemnification

You agree to indemnify, defend, and hold harmless Life Insurance Protection and its affiliates, officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of any rights of another party
• Any information you submit through the Website

11. Termination

We reserve the right to suspend or terminate your access to the Website at any time, with or without cause or notice, for any reason, including violation of these Terms.

Upon termination, your right to use the Website will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of [Your State], without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts located in [Your State/County].

(Please replace [Your State] and [Your State/County] with your actual location)

13. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

14. Entire Agreement

These Terms constitute the entire agreement between you and Life Insurance Protection regarding your use of the Website and supersede all prior agreements and understandings.

15. Contact Information

If you have questions about these Terms of Service, please contact us: