Legal
Effective date: June 11, 2026
Please read these Terms & Conditions ("Terms") carefully before using the Life Coverage Quotes website at lifecoveragequotes.org (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
Important: Life Coverage Quotes is an independent insurance marketing and referral service. We are NOT an insurer, an agency of record, an insurance broker acting on your behalf, or a financial or investment advisor. We do not provide insurance quotes, bind coverage, issue policies, or guarantee your eligibility for any insurance product or the rates you may be offered.
Our service connects consumers who are interested in term life insurance with licensed insurance agents, partner carriers, and affiliated marketing agencies who can discuss coverage options, provide actual rate quotes, and help you apply for coverage. The licensed professionals in our network act independently and are responsible for their own advice, representations, and regulatory compliance.
Any estimated rates or coverage amounts displayed on this Site are illustrative only. They are intended to give you a general sense of potential affordability and are not offers of insurance. Final rates are determined by the issuing carrier following its underwriting process and will depend on factors including your age, health history, tobacco use, state of residence, and the specific product selected. Actual rates may be higher or lower than any estimate shown.
Life Coverage Quotes may receive compensation — including referral fees, lead fees, or commissions — when visitors connect with or submit applications through our insurance partners. This compensation may influence which partner products or offers are presented on the Site.
You must be at least 18 years of age and a legal resident of the United States to use this Site or submit a quote request. Our services and the insurance products available through our partners may not be available in all states. By submitting a quote request, you represent that you meet these eligibility requirements.
If you are under 18, you are not permitted to use this Site or submit any personal information. If we learn that we have collected information from a minor, we will delete it promptly.
You agree to use this Site only for lawful purposes and in accordance with these Terms. You agree that you will not:
We reserve the right to suspend or terminate your access to the Site at any time for any violation of these Terms or for any other reason at our sole discretion.
By submitting a quote request form on this Site, you provide your express written consent under the Telephone Consumer Protection Act (TCPA) to receive marketing communications from Life Coverage Quotes, its affiliates, and its insurance marketing and carrier partners. This includes autodialed calls, pre-recorded voice messages, text messages (SMS/MMS), and email at the contact information you provide, even if your number is listed on a Do-Not-Call registry.
You understand and agree that:
All content on this Site — including text, graphics, logos, icons, images, design elements, and the underlying HTML, CSS, and JavaScript — is the property of Life Coverage Quotes or its content suppliers and is protected by applicable intellectual property laws.
You may access and view the Site for your personal, non-commercial use. You may not reproduce, distribute, modify, publicly display, create derivative works from, or otherwise exploit any Site content without our prior written permission.
The Life Coverage Quotes name, logo, and other marks displayed on the Site are proprietary marks of Life Coverage Quotes. Nothing in these Terms grants you any right or license to use our marks without our prior written consent.
This Site may contain links to third-party websites and services, including insurance carrier sites, partner agencies, and other resources. These links are provided for your convenience only. Life Coverage Quotes does not control those third-party sites, does not endorse or represent them, and is not responsible for their content, privacy practices, or availability.
When you leave our Site to visit a third-party site, your use of that site is governed by that site's own terms of use and privacy policy. We encourage you to review those policies before providing any personal information.
THE SITE AND ALL CONTENT, SERVICES, AND INFORMATION PROVIDED THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LIFE COVERAGE QUOTES DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components; that any rate estimates are accurate or applicable to your specific situation; or that insurance products displayed will be available to you or at the rates shown.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LIFE COVERAGE QUOTES, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR PARTNERS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, INCLUDING WITHOUT LIMITATION LOSS OF REVENUE, LOSS OF DATA, OR LOSS OF GOODWILL, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SITE EXCEED ONE HUNDRED DOLLARS ($100.00).
Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you in full.
You agree to indemnify, defend, and hold harmless Life Coverage Quotes and its officers, directors, employees, agents, and partners from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any information you submit through the Site.
We may update these Terms at any time at our sole discretion. When we make material changes, we will update the "Effective date" at the top of this page. Your continued use of the Site after any update constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, please stop using the Site.
We recommend reviewing this page periodically to stay informed of any changes.
These Terms shall be governed by and construed in accordance with applicable federal law and the laws of the United States, without regard to conflict of law principles. Any dispute arising under or related to these Terms or your use of the Site that is not resolved informally shall be subject to binding arbitration to the extent permitted by law.
If you have questions about these Terms or your rights under them, please contact us at:
Life Coverage Quotes
Email: support@lifecoveragequotes.org