Terms of Service

Effective date: November 2, 2026

These Terms of Use govern your use of www.lifepolicychat.com (the "Site"), operated by LifePolicyChat. By accessing or using the Site you agree to these terms.

Not an Insurer

LifePolicyChat is an insurance marketing service, not an insurance company. We do not issue policies, bind coverage, or provide insurance advice. We connect consumers with licensed insurance agents and A-rated carriers who provide quotes and coverage for life insurance and mortgage protection products.

No Guarantee of Coverage or Rates

Quotes are estimates and are not offers of insurance. Eligibility, coverage, premiums, and savings vary by state, carrier, age, health profile, coverage amount, and term, and are determined solely by the issuing carrier. Getting a quote is free and carries no obligation to purchase.

Your Responsibilities

You agree to provide accurate information and to use the Site lawfully. You may not misuse the Site, attempt to disrupt it, or submit information you are not authorized to provide.

Intellectual Property

All content on the Site is owned by LifePolicyChat or its licensors and may not be reproduced without permission.

Limitation of Liability

The Site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, LifePolicyChat is not liable for any indirect, incidental, or consequential damages arising from your use of the Site.

Contact

Questions about these terms? Email support@lifepolicychat.com.

Mailing address: [LifePolicyChat mailing address]