PRIVACY POLICY

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At LifeInsurancePlans.com ("we", "us", "our", or "Site"), privacy is a top priority, and we are dedicated to protecting the personal information of our website visitors and customers. This Privacy Policy specifies details on how we handle any personal information you may submit to us within our website quote or contact forms. If you provide any personally identifying information to us, we want you to recognize our efforts to protect that data. We have outlined our collection and use of your information in the following sections of this Privacy Policy.

The Reason We Collect Your Information:

We will collect and use personal information about you and provided by you to respond to your request for products and services offered through the Site. Depending on the product and services you've chosen and whether or not we have a matched agent or carrier for you, the insurance companies you are matched with may use this information to begin the process of determining your insurability and to provide the type of insurance quotes you are requesting. Specifically, your information should help us match you with a licensed insurance agent and obtain free life insurance quotes.

Use of Your Information

In addition to what we've referenced above, we use information you provide on the Site to gather quotes from the appropriate third-party insurance companies that we consider to be helpful in your search and trustworthy. In turn, they are intended to provide you with insurance information you are seeking. Based on your specific personal profile, both we, and the third parties, may use this information to contact you about additional products and services that may be of interest to you.

Life Insurance Quote Form

Our site features a brief form you complete to shop for rates from various insurance companies. If you provide contact information such as your email or phone number, we view this as your express invitation that you should be contacted about insurance products or services even if you are on state or federal "Do Not Call" lists.

How Insurance Carriers May Use Your Information

We will submit the information we gather from you during the quote process to the insurance carrier or agent you have been matched with. Insurance companies use personally identifiable information to determine your final insurance eligibility and rates. Insurance underwriting criteria may vary for each participating insurance company, and each company may place a different emphasis on information in your application.

Communication with You

We may contact you by telephone to verify information and to assist you with your life insurance quote. We may also contact you by phone, email or by postal mail to verify information, to assist you with your life insurance quote or application, to conduct surveys, to provide you with additional information regarding product or service announcements and to make you aware of special offers or other money-saving opportunities.

Request for a Quote

Your decision to provide personal contact or medical information is strictly voluntary. If you elect to provide personal or contact information through the Site, we may use or disclose the information you provide to other third parties as described above, and those third parties may use the information to send relevant offers which we, or our third parties, believe would be of interest to you.

Use of Cookies

A cookie is a small text file saved on your computer's hard drive and stored in memory while your (internet) browser is running. Cookies can make it easier for an internet user to search the Web and to complete transactions over the internet. Usage of a cookie is in no way linked to any personally identifiable information while on our site. We may contract with certain partners that utilize ad-serving technology to gauge the effectiveness of advertisements. This will remain on your web page URL when you return to our site. You may elect to disable cookies in your browser or clear your browsing history to better ensure the cookies may be removed. Please refer to your computer or operating system user manual for information on how to disable cookies or also clear your browsing history.

Third-party Advertising and Your Ad Choices

We may use third-party advertising companies on our site. Some of these advertisers may use technology such as cookies that collect information when they advertise on our site. Some of these companies may use this information (which does not include personally identifiable information such as your name or email address) about your visits to the Site and other websites in order to provide advertisements about goods and services of interest to you.

Children's Privacy

You must be at least 18 years old to use the Site. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction and/or with the approval of your parents or guardians.

Information Release and Security

Unless you give us permission to do so, or as otherwise required or permitted by law, we do not willfully use or disclose personally identifiable information to third parties for any purpose other than described in this Privacy Policy. In addition, we have security provisions in place to help protect your information. We limit access to personal information to those employees or agents who assist us in providing requested products and services to you and maintain physical, electronic and procedural safeguards that comply with or exceed federal standards to guard personal information about you. However, please be aware that no security system is impenetrable.

Updating or Deleting Your Information

If you have received a communication from us in error, or if you wish to change, update or delete your information, please visit the "Contact" page of our Site to submit your request. Once the request is received and verified, we will quickly remove your contact information from our database. Please note that third-party advertisers which maintain their own mailing lists may send communications that advertise or mention our services. You would need to contact these third parties directly in order to stop receiving their communications.

Links to Third Parties

This Privacy Policy applies to all information you provide on the Site. However, when you visit websites to which our Site links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third-party site, the data collected by the third party is governed by that third-party's privacy policy. A third-party website should also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies of any other service provider from whom you request services.

Your Agreement of this Privacy Policy

By using the Site, you signify your assent to this Privacy Policy. If you do not agree to this policy, please do not use any portion of the Site. When you request insurance quotes or other information through the Site, you are authorizing us to share information with our trusted third parties, who may contact you by phone, email or mail. If you do not want further communication from them, please notify the partner or business directly.

Changes to This Privacy Policy

We reserve the right to make changes to this Privacy Policy at any time. If there are material changes to this Privacy Policy or in how we will use your personal information, we will post notice about such changes on the Site. However, you should check this Privacy Policy each time you use the Site to ensure that you are aware of any changes in our privacy practices. Your continued use of our Site after we have posted any Privacy Policy changes indicates your agreement to the changes, unless you notify us otherwise.

LIFEINSURANCEPLANS.COM TERMS AND CONDITIONS

LAST UPDATED: SEPTEMBER 2025

Thank you for your interest in our website, lifeinsuranceplans.com ("Website", "we", "us", "our") and the products and services offered on the website. Please review these Terms of Use (together with our Privacy Policy), thoroughly. The use of this website is limited to United States residents over the age of 18. Your access, browsing, and/or use of this website and the related services constitutes your acceptance of these Terms and Conditions.

LAST UPDATED: SEPTEMBER 2025

Thank you for your interest in our website, lifeinsuranceplans.com ("Website", "we", "us", "our") and the products and services offered on the website. Please review these Terms of Use (together with our Privacy Policy), thoroughly. The use of this website is limited to United States residents over the age of 18. Your access, browsing, and/or use of this website and the related services constitutes your acceptance of these Terms and Conditions.

These terms and conditions, in addition to the Privacy Policy, shall constitute the entire agreement between yourself and the website. If you disagree with them, you may not access or use this website. For purposes of this Agreement, "you" or "your" means the person(s) using the Website or the related services. If you are accessing and/or using the website on behalf of another entity, such as an employer, you guarantee that you have the actual authority to bind such an entity to an Agreement with us.

We reserve the right to change and/or modify any aspect of feature of this website at any time, as well as to modify these Terms and conditions, or any part hereof. These changes, modifications, additions, or deletions are effective immediately upon their positing, and your continued use of the website or the related services after these updates shall constitute your acceptance of the updates.

YOUR CONSENT TO OUR PRIVACY POLICY

We encourage you to review our Privacy Policy, which is hereby incorporated by reference into this Agreement, for information concerning the policies and practices regarding the personal information that we collect from you through the Website or receive directly from you. This includes sharing this information with third parties and the use of your personal information by us. Your continued use of the website shall constitute your consent to our collection, storage, use, and disclosure of your personal information in accordance with our Privacy Policy.

OUR ADMINISTRATIVE SERVICES, WEBSITE TOOLS AND MATCHING PROCESS

Our website provides tools and services to help you find insurance coverage or quotes, all of which are provided by third parties unaffiliated with LifeInsurancePlans.com (collectively, "Insurers"). "Insurers" shall mean insurance companies, our marketing partners, and affiliates working on behalf of insurance companies, with whom we may share your personal information (as described in our Privacy Policy) in order to help you find reasonably priced and suitable insurance coverage. You may be able to access these products and services by completing a request or submitting your zip code or other information and either (i) get matched with potential Insurers who will respond with quotes or conditional offers for products or services, or (ii) get provided with the names and relevant information of potential Insurers who may be able to provide you with the requested products or services. The Insurers that can provide you with insurance quotes or conditional offers may not be able to respond with offers until they obtain additional information from you. You may not be matched with an Insurer making any specific quote or offer.

Although we are compensated by Insurers for displaying advertisements for their products on the website, LifeInsurancePlans.com does not provide insurance, does not act as an Insurer or broker, and does not make any decisions regarding the underwriting or offering of any insurance products. Any compensation we receive from Insurers is payment for their use of our services, tools, and facilities. Your usage of the Website and/or our services establishes your understanding and agreement with this compensation structure.

We do not authorize or recommend the products of any specific Insurer, and we are not an agent of any party. Our services are purely administrative in nature, and you should use your own judgment in deciding the obtainable insurance policy, product, terms, and Insurer that best suits your personal needs. The Insurer is only responsible for its own products and services, and you agree that LifeInsurancePlans.com is not liable for any damages or costs arising out of or connected with your use of such products or services. You agree that Insurers may keep any insurance request or other information that we provide to them, or they receive from you during the processing of your request, whether you qualify for or obtain insurance from them. You agree to notify the Insurer directly if you do not wish to communicate with them further.

We disclaim any responsibility for errors or delays in responding to a request or referral form caused by an incorrect email provided by you, or any other technical issue beyond our reasonable control.

The Website and the products and services provided may not be available in all states, and the availability may change without notice. Insurers are not endeavoring to offer insurance outside of their authorized states or countries by offering their products on the Website. Insurers may cease, suspend, or terminate the offering of any insurance or other product in any state through the Website at any time, without prior notice.

The material provided by us, whether on this website or discussed on a phone call, does not guarantee coverage or specific payment. All insurance plans are subject to the terms, conditions, and limitations of the specific policy issued, including, but not limited to, eligibility, pre-certification, exclusions and limitations, and medical necessity requirements. For further information on a policy and its limitations, you are advised to speak with a licensed agent.

The data and other information you may provide us does not constitute an application for insurance or a request to be pre-approved or pre-qualified. We do not guarantee acceptance into any specific insurance program or explicit terms or conditions with any Insurer; insurance approval standards are established and maintained by the individual Insurers. Likewise, LifeInsurancePlans.com does not guarantee that the insurance terms or rates offered by Insurers are the best terms or lowest rates available in the market. An Insurer's offer may be subject to market conditions, approval, and qualification. The rates and fees provided by Insurers may be higher or lower contingent on your completed user profile, and possibly other considerations utilized by Insurers.

Unless otherwise explicitly stated in writing, nothing provided herein shall constitute an offer or guarantee for an insurance commitment or a rate lock-in agreement. Insurers may not offer all products available or may not offer products in all states. You might not be matched with the Insurer making any specific offer. To help attempt to verify your identity, Insurers may obtain, verify, and record information that identifies each person who applied for or obtained insurance from them, including but not limited to, names, Social Security Numbers or driver's license numbers, addresses, and dates of birth, that will allow for your proper identification. During the Insurer application process, they may also ask to see additional information. LifeInsurancePlans.com charges no fees related to its service in matching you with Insurers.

By clicking on any button representing an acceptance or agreement to terms, a continuance of processing, a request for quotes or any other submission ("submission"), you agree that you are consenting to the stated terms and conditions of that submission and that you are submitting to an inquiry regarding insurance or another product through LifeInsurancePlans.com to each of the Insurers to whom you transmit your request.

You agree that by providing your telephone number in any submission on our webpage/s that you are expressly consenting to receive calls, emails, postal mail, text messages, and other forms of communication from up to eight listed companies, including calls made with an automatic telephone dialing system or prerecorded voice to the wireless or residential telephone number you provided, even if you are on a state or federal Do Not Call registry. You acknowledge that your wireless carrier may impose charges for these calls or texts and that your consent to receive communications is not a condition of purchase. You may revoke your consent at any time.

By including your email in any submission, you are extending an express invitation to each Insurer that you have been matched with to contact you at the email address you provided (any such email from an Insurer will not be considered spam by any local, state, or federal law or regulation). For any service, you represent that all of the information you have provided in your submission is accurate and complete.

LifeInsurancePlans.com seeks to provide you multiple insurance quotes through its network of unaffiliated Insurers. By submitting information on an insurance request form, you authorize us to provide this information to Insurers to complete your request. Additionally, by submitting a request for insurance, you authorize the Insurers to verify the accuracy and authenticity of all the information that you supply.

To determine which Insurers you may be matched with, Insurers provide to us criteria about the type of insurance and the type of customer (for example, state of residence) in which the Insurer is interested. LifeInsurancePlans.com will give your information to Insurers whose criteria match your profile. If you do not meet certain Insurer's criteria or you do not qualify for their products, you also authorize us to provide your information to other Insurers whose criteria match your profile and whose products we believe may be helpful in completing your request.

HYPERLINKS TO CONTENT AND/OR THIRD-PARTY WEBSITES

The Website may contain links to websites maintained by third parties. Such links are provided only for your convenience and reference, and we do not operate the third-party websites or have any control over the information, software, products, or services available on such websites. LifeInsurancePlans.com 's inclusion of a link to a website is not an endorsement of the website, its contents, or its sponsoring organization. LifeInsurancePlans.com is not responsible for the accuracy of any information provided to you by any third-party website, and is not liable for any technical or system issues that arise from your access to or use of technologies or programs featured on that website.

THIRD PARTY SERVICES AND INSURANCE PRODUCTS

LifeInsurancePlans.com connects users with insurance providers and is not an insurance or operating company. Therefore, all products and services featured on the website are provided exclusively by or through the insurance providers.

PRODUCTS AND SERVICES LIMITED STATE AVAILABILITY

The products and services descriptions provided on the website are for informational purposes only and are subject to change. Some products and services may not be available in all jurisdictions. Anyone interested in a particular product or service should fill out the online quote form provided on LifeInsurancePlans.com to determine their eligibility and/or use our Contact Us form to request a copy of the applicable policy or other plan documents for a complete description of the product.

UNITED STATES WEBSITE AND DATABASE

If you are using the Website from outside the United States, please be aware that our servers are located and our central database is operated in the United States, so your information will be transferred to, stored, and processed there. The data protection laws of the United States may not be as comprehensive as those in your country. By using the Website, you hereby consent to the transfer of your information to the United States and its collection and storage there, as well as the sharing and use of your information according to our Privacy Policy. You agree that all transactions relating to the Website shall be considered to have occurred within the United States. Those who access or use the Website from other jurisdictions do so at their own risk and are solely responsible for their compliance with all applicable laws, rules, and regulations in their jurisdiction.

LEGAL DISCLAIMERS AND LIABILITY LIMITATIONS

LifeInsurancePlans.com strives to provide accurate and reliable information on the Website; however, errors or inaccuracies may sometimes occur. In addition, we may make changes and improvements to the information provided herein at any time. Under no circumstances will LifeInsurancePlans.com be liable for any loss or damage caused by your reliance on any information obtained through the Website. It is your responsibility to evaluate the accuracy, completeness, or usefulness of any information, opinion, or advice featured on the Website.

THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." LIFEINSURANCEPLANS.COM AND/OR ITS INSURERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY, FREEDOM FROM VIRUSES AND NONINFRINGEMENT. USE OF THE WEBSITE AND/OR LIFEINSURANCEPLANS.COM 's SERVICES IS AT YOUR OWN RISK. LIFEINSURANCEPLANS.COM AND/OR ITS INSURERS AND SUPPLIERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITE AND/OR LIFEINSURANCEPLANS.COM 's SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITE (INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITE), OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, OR OTHER HARMFUL CODE OR COMPUTER PROGRAMMING ROUTINES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF LIFEINSURANCEPLANS.COM AND/OR ITS INSURERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES AND CERTAIN LIMITATIONS OF LIABILITY, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

INDEMNITY AGREEANCE

You agree to indemnify and hold harmless LifeInsurancePlans.com , its affiliates, suppliers, and Insurers, and their respective members, managers, directors, officers, and employees, from any and all liabilities, expenses (including reasonable attorney's fees), claims, and damages related to your use of the Website.

PROPRIETARY LICENSING AND EXCLUSIVE RIGHTS

You are granted a limited, non-transferable, non-sublicensable, non-exclusive, and revocable license to use and display the contents of the Website solely for your personal use (and not for commercial resale or redistribution) to find insurance and other products or services featured on the Website. All other rights are hereby reserved. LifeInsurancePlans.com and the LifeInsurancePlans.com logo are service marks owned by us. Other product and company names mentioned herein, including the names of Insurers, may be the trademarks of their respective owners. Nothing on the Website should be construed as granting any license or right to use any service mark or trademark (individually and collectively, "Mark" or "Marks") displayed on the Website, without the prior written permission of LifeInsurancePlans.com or any other Mark holder for each such use. The Marks may not be used to disparage LifeInsurancePlans.com , the Insurers, any third party or their products or services, nor shall they be used in any manner that is harmful to the goodwill in the Marks.

The Website contains copyrighted material, trademarks, and other proprietary information of LifeInsurancePlans.com and/or its Insurers, including, but not limited to: text, software, photos, video, graphics, music, and sound, and the entire contents of the Website are copyrighted as a collective work under the United States copyright laws. LifeInsurancePlans.com owns a copyright in the selection, coordination, arrangement, and enhancement of such content. You agree not to modify, publish, transmit, transfer, or sell, create derivative works of, or exploit, any of the content, in whole or in part. You agree not to reverse engineer, decompile, or disassemble, or make any derivative works based on, the Website or its software or technology (including any customization, translation, or localization). Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial or non-commercial exploitation of material from the Website is allowed without the express written permission of LifeInsurancePlans.com and the copyright owner (if different from LifeInsurancePlans.com ). Elements of the Website are protected by trade dress, trademark, unfair competition, and other state and federal laws, and may not be copied or imitated in whole or in part, including but not limited to, the use of framing or mirrors.

You are granted revocable right to link to the home page of this Website by us. You agree not to state or imply that either you or any website that you place a link to this website on, are endorsed or sponsored by, or affiliated or associated with this Website or LifeInsurancePlans.com , and you agree that you shall not make any express or implied representations or warranties regarding this website or any featured products or services, or make any statements that are inconsistent with this Agreement.

LEGAL ARBITRATION TERMS AND AGREEMENT