Last Updated: April 1, 2025

Welcome to lifesinsured.com ("we," "us," or "our"). These Terms of Use ("Terms") govern your access to and use of our website, lifesinsured.com (the "Site"), and the services provided through it, including life insurance quote comparisons (collectively, the "Services"). By accessing or using the Site or Services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Site or Services.

1. Acceptance of Terms

By using the Site, you confirm that you are at least 18 years of age and have the legal capacity to enter into this agreement. These Terms constitute a legally binding agreement between you and lifesinsured.com.

2. Purpose of the Site

lifesinsured.com provides a platform that allows users to compare life insurance quotes from various third-party insurance providers. We are not an insurance company, broker, or agent, and we do not sell, underwrite, or provide insurance policies. The quotes and information provided are for informational purposes only and are subject to change by the insurance providers.

3. Use of the Site

• Permitted Use: nformation You Provide: You may use the Site and Services only for lawful purposes and in accordance with these Terms. You agree not to use the Site to engage in any illegal or unauthorized activity.

• Prohibited Use: You may not:

  • - Modify, reverse-engineer, or attempt to extract the source code of the Site.

  • - Use the Site to transmit harmful code, malware, or viruses.

  • - Collect or harvest personal information from other users without their consent.

  • - Impersonate any person or entity or misrepresent your affiliation with any person or entity.

4. Information You Provide

To use certain features of the Site, such as obtaining life insurance quotes, you may be required to provide personal information (e.g., age, health status, contact details). You agree to provide accurate, current, and complete information. We are not responsible for errors in quotes or services resulting from inaccurate or incomplete information provided by you.

5. Third-Party Providers

The Site connects you with third-party insurance providers. Any insurance policy you purchase is subject to the terms, conditions, and privacy policies of the respective provider. We do not guarantee the accuracy, availability, or suitability of any quotes or policies offered by third parties.

6. No Professional Advice

The information provided on the Site, including life insurance quotes, is not intended as financial, legal, or professional advice. You should consult with a licensed insurance agent or financial advisor before making decisions based on the information provided.

7. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of lifesinsured.com or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our prior written consent.

8. Privacy

Your use of the Site is also governed by our Privacy Policy, available at lifesinsured.com/privacy.php Please review it to understand how we collect, use, and protect your personal information.

9. Disclaimer of Warranties

The Site and Services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of accuracy, reliability, or fitness for a particular purpose. We do not guarantee that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

10. Limitation of Liability

To the fullest extent permitted by law, lifesinsured.com, its affiliates, and its partners will not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site or Services, including but not limited to losses related to inaccurate quotes, reliance on information provided, or inability to access the Site.

11. Indemnification

You agree to indemnify and hold lifesinsured.com, its affiliates, officers, employees, and agents harmless from any claims, damages, or losses arising from your use of the Site or violation of these Terms.

12. Changes to the Terms

We may update these Terms from time to time. The updated Terms will be posted on this page with a revised "Last Updated" date. Your continued use of the Site after such changes constitutes your acceptance of the updated Terms.

13. Termination

We reserve the right to suspend or terminate your access to the Site or Services at our sole discretion, without notice, for any reason, including if we believe you have violated these Terms.

14. Governing Law

These Terms are governed by the laws of Delaware, without regard to its conflict of law principles.

15. Contact Us

If you have questions about these Terms, please contact us at: info@lifesinsured.com