Effective Date: 20-07-26
Last Updated: 20-07-26
Life Coverage Check publishes general educational content about Indexed Universal Life (IUL) insurance, a type of permanent life insurance that combines a death benefit with a cash value component whose growth may be linked, in part, to the performance of a market index, subject to caps, floors, and other limits set by the issuing carrier. IUL policies are also known for offering flexible premiums and the potential for tax deferred cash value growth, though actual features, costs, and performance vary by carrier and by policy.
The information on the Site is intended to help visitors understand IUL insurance as a general product category. It is not a quote, an offer of insurance, or a personalized recommendation, and it should not be treated as one.
To use the Site, you must be at least 18 years old and a legal resident of the United States, and you must have the legal capacity to enter into these Terms. By using the Site, you represent and warrant that you meet these requirements. If you are using the Site on behalf of another person, you represent that you have their permission to submit their information.
Life Coverage Check operates a matching service. When you submit an inquiry through the Site, we pass your information to one or more licensed insurance agents in our network, and those agents may contact you to discuss whether an Indexed Universal Life policy, or another insurance product, fits your needs.
We are not an insurance company, and we do not underwrite, issue, bind, or sell insurance policies ourselves. We do not guarantee that you will be matched with an agent, that any agent will contact you within a particular timeframe, or that you will qualify for, be offered, or be able to purchase any specific policy, coverage amount, or rate. Any statements on the Site about response times, such as being contacted within 24 hours, describe our general goal and are not a guarantee.
For purposes of these Terms:
"Content" means all text, graphics, images, forms, and other material made available on the Site.
"Agent" means a licensed insurance agent, agency, or carrier in our network who may contact you based on your inquiry.
"User," "you," or "your" means any person who accesses or uses the Site.
"Submission" means any information, form entry, message, or other material you provide to us through the Site.
The Site does not require you to create an account. Instead, you interact with the Site by submitting information through our forms, such as your state of residence and contact details, so that we can match you with an Agent. By making a Submission, you agree that the information is your own, that you have the right to provide it, and that it is accurate as described in Section 8.
Content on the Site is provided for general educational purposes only and does not constitute insurance, financial, legal, or tax advice. References on the Site to tax treatment, market linked growth, downside protection, or similar concepts describe general features of Indexed Universal Life policies as a product category. They are not a projection, promise, or guarantee of how any specific policy will perform, and they are not a substitute for individualized advice.
Before making any decision about insurance, financial planning, or taxes, you should consult a licensed insurance agent, financial advisor, or tax professional who can evaluate your particular circumstances.
You agree to provide accurate, current, and complete information whenever you use our forms, and to update that information if it changes in a way that would affect an Agent's ability to reach you or discuss coverage with you. You are responsible for the accuracy of everything you submit. We and the Agents in our network may rely on your Submissions when contacting you, preparing illustrations, or discussing coverage options, and we are not responsible for outcomes that result from inaccurate or incomplete information you provide.
By submitting a form on the Site, you expressly consent to be contacted by Life Coverage Check and by Agents in our network regarding Indexed Universal Life insurance and related products, by telephone, text message, and email, as described in more detail in our Privacy Policy. This may include calls placed using an automatic telephone dialing system or an artificial or prerecorded voice, and it applies even if your phone number is listed on a state or federal Do Not Call registry. Consent is not required as a condition of using the Site or purchasing any product. You may withdraw consent at any time using the methods described in our Privacy Policy.
By using the Site, you agree that we may communicate with you electronically, including by email and text message, regarding matters related to your Submission and these Terms. Electronic communications satisfy any legal requirement that such communications be in writing, to the fullest extent permitted by applicable law.
When using the Site, you agree not to:
Submit false, fraudulent, or misleading information through our forms
Use the Site for any unlawful purpose or in violation of these Terms
Interfere with, disrupt, or attempt to gain unauthorized access to the Site or its underlying systems
Scrape, harvest, or collect data from the Site using automated means without our written permission
Impersonate another person or misrepresent your affiliation with any person or entity
Upload or transmit any virus, malware, or other harmful code through the Site
Use the Site to submit another person's information without their knowledge and permission
We may investigate and take appropriate action against anyone who violates this section, including suspending or terminating access to the Site and reporting conduct to law enforcement where appropriate.
If you send us feedback, suggestions, or other unsolicited ideas about the Site, you agree that we may use them without any obligation to compensate you or keep them confidential. Do not submit anything through the Site that you do not have the right to share or that infringes the rights of a third party.
Any testimonials, ratings, review counts, or statistics presented on the Site, including references to prior customers, reflect individual experiences and general marketing statistics. They do not guarantee that you will have a similar experience, that you will qualify for coverage, or that you will receive a specific rate, coverage amount, or outcome. Individual insurance eligibility, rates, and policy terms are determined by the issuing carrier based on underwriting factors specific to you.
Agents and carriers in our network are independent third parties. They are not employees, partners, or representatives of Life Coverage Check, and we do not control, supervise, or guarantee their conduct, licensing status in every jurisdiction, advice, products, or services. Any insurance policy you apply for or purchase is a separate agreement between you and the issuing carrier or agent, governed by that carrier's own terms, disclosures, and underwriting requirements, and not by these Terms.
The Site may also contain links to other third party websites. We do not control those websites and are not responsible for their content, accuracy, or privacy practices. Including a link does not imply our endorsement of the linked site.
All Content on the Site, including text, graphics, logos, layouts, and design elements, is owned by or licensed to Life Coverage Check and is protected by copyright, trademark, and other intellectual property laws. Except as necessary to use the Site for its intended purpose, you may not copy, reproduce, distribute, modify, or create derivative works from any Content without our prior written permission.
If you believe that Content on the Site infringes your copyright or other intellectual property rights, please contact us at [email protected] with a description of the material, its location on the Site, and your contact information, and we will investigate and respond appropriately.
The Site and its Content are provided on an as is and as available basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and noninfringement. We do not warrant that the Site will be uninterrupted, timely, secure, or error free, that defects will be corrected, or that the Site or the servers that make it available are free of harmful components. You use the Site at your own risk.
To the fullest extent permitted by law, Life Coverage Check and its owners, employees, contractors, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or related to your use of, or inability to use, the Site, any Submission you make, or any interaction with an Agent or carrier in our network, even if we have been advised of the possibility of such damages. To the extent any liability cannot be excluded under applicable law, our total liability for any claim arising from these Terms or your use of the Site will not exceed one hundred dollars.
Some states do not allow the exclusion or limitation of certain damages, so some of the limitations in this section may not apply to you.
You agree to indemnify, defend, and hold harmless Life Coverage Check and its owners, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney fees, arising out of or related to your use of the Site, your Submissions, your violation of these Terms, or your violation of any rights of a third party.
Please read this section carefully. It affects your legal rights.
Informal resolution first. Before filing a claim against Life Coverage Check, you agree to try to resolve the dispute informally by contacting us at [email protected] and describing the issue. We will attempt to resolve the dispute informally for at least 30 days before either party initiates arbitration.
Agreement to arbitrate. If a dispute is not resolved informally, you and Life Coverage Check agree that any dispute arising out of or relating to these Terms or your use of the Site will be resolved through binding, individual arbitration rather than in court, except that either party may bring an individual claim in small claims court if it qualifies. Arbitration will be administered by a recognized arbitration organization, to be specified by the Company, under its rules then in effect, and will take place in [Insert State] or another mutually agreed location, or may be conducted by phone, video, or written submission where permitted.
Class action waiver. You and Life Coverage Check each agree to bring claims only in an individual capacity, and each waive any right to participate in a class action, class arbitration, or representative proceeding.
Opting out. You may opt out of this arbitration agreement by sending written notice to [email protected] within 30 days of first agreeing to these Terms. If you opt out, neither you nor we are bound by the arbitration provisions in this section, and disputes will instead be resolved in the courts identified in Section 20.
These Terms are governed by the laws of the State of [Insert State], without regard to its conflict of law principles, except where superseded by applicable federal law, including federal arbitration law where relevant. Subject to Section 19, you agree that any dispute not subject to arbitration will be brought exclusively in the state or federal courts located in [Insert State], and you consent to the personal jurisdiction of those courts.
We may suspend or terminate your access to the Site at any time, with or without notice, for conduct that we believe violates these Terms, is unlawful, or is otherwise harmful to other users, us, or third parties. Sections of these Terms that by their nature should survive termination, including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution, will survive.
We will not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including acts of God, natural disaster, war, terrorism, labor disputes, internet or telecommunications failures, or actions of government authorities.
You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of the Company to be effective.
Welcome to lifecoveragecheck.net (the "Site"), owned and operated by Life Coverage Check ("Company," "we," "us," or "our"). These Terms of Service ("Terms") explain the rules that apply when you visit the Site, submit a form, or otherwise use our services. Please read them carefully before using the Site.
By accessing or using the Site, submitting your information through any form, or otherwise engaging with our services, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree with any part of these Terms, you should not use the Site.
We may update these Terms from time to time, as described in Section 20. Your continued use of the Site after an update means you accept the revised Terms.
These Terms, together with our Privacy Policy, make up the entire agreement between you and Life Coverage Check regarding your use of the Site, and supersede any prior agreements or understandings, whether written or oral, relating to that subject matter.
This Site operates independently and is not associated with or endorsed by YouTube, Google, or Facebook, nor does it form part of their websites. The trademarks FACEBOOK, YOUTUBE, and GOOGLE are owned by their respective companies, and any reference to them on the Site is for identification purposes only.
We want the Site to be usable by as many visitors as possible. If you experience difficulty accessing any part of the Site, please contact us at [email protected] so we can assist you and address the issue.
If you have questions about these Terms, you can reach us at:
Life Coverage Check Email: [email protected]
Life Coverage Check
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