Terms of service

Acceptance of Terms

By accessing or using the ItsLifeInsurance website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our site or services. You must be at least 18 years old to submit a request through this website.

Who We Are

ItsLifeInsurance is an independent life insurance lead-generation and referral service. We are not a government agency, and we are not affiliated with or endorsed by any government program. We are not an insurance carrier and we do not issue policies, pay claims, or make coverage determinations.

Services Provided

We help individuals and families connect with licensed agents who can discuss life insurance options. Our services include:

• Connecting you with a licensed advisor to discuss your situation
• Identifying plans you may be eligible for and presenting options
• Passing your request to a licensed insurance agent who can help you apply
• Connecting you with agents who provide ongoing policy support

We do not represent every insurance carrier or every plan available in your area. The plans we present are those offered by carriers we are appointed with and licensed to sell in your state.

How We Are Paid

We charge you nothing. When you enroll in a plan through us, the insurance carrier pays us a commission. This does not increase your premium — carrier rates are filed with and approved by state regulators, and are the same whether you enroll through a broker or directly. Commission amounts vary between carriers and products.

No Quote, No Guarantee of Coverage

Nothing on this website is a quote. Submitting the form on this site requests a conversation with a licensed advisor; it is not an application for insurance and does not bind coverage.

Any figures an advisor discusses with you before an application is submitted are estimates based on the information you provide. They are not binding. Final pricing, eligibility, and the terms of any policy are determined solely by the insurance carrier, in most cases following a medical underwriting review. Coverage exists only once a carrier issues a policy and you have paid the premium.

The policy documents issued by the carrier govern your coverage. Where anything an advisor says or anything on this site conflicts with those documents, the carrier's documents control.

Contact by Phone, Text, and Email

When you submit the form on this site, you consent to being contacted by ItsLifeInsurance and its licensed advisors at the phone number and email address you provide, including by automated dialing system, prerecorded or artificial voice, and text message. This consent is not a condition of purchase, and you may withdraw it at any time. The details, including how to opt out, are in our Privacy Policy.

Communications you send us by email or text are treated as described in the Privacy Policy. Do not send sensitive information such as Social Security numbers, financial account details, or medical records through these channels.

Accuracy of Information

You agree to provide accurate, complete, and truthful information when submitting any form or communicating with our advisors. Providing false or misleading information during the quoting or enrollment process may result in denial of coverage or policy rescission by the carrier.

No Medical, Legal, or Tax Advice

Nothing on this website constitutes legal, tax, or financial advice. We are a life insurance referral service, not a law firm or accounting firm. Questions about how insurance fits your financial situation should be directed to a qualified professional.

Website Availability

This website and its content are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components, and we may modify, suspend, or discontinue any part of it at any time without notice.

Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of ItsLifeInsurance and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written consent.

Third-Party Links and Services

Our website may contain links to third-party sites and services. We are not responsible for the content, privacy practices, or terms of third-party sites and services. Links do not constitute an endorsement.

Limitation of Liability

To the fullest extent permitted by law, ItsLifeInsurance shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or our services, including but not limited to loss of coverage, denied claims, or reliance on estimates. Our total liability for any claim shall not exceed the greater of the fees you paid us in connection with that claim or one hundred dollars ($100).

Nothing in these Terms limits any liability that cannot lawfully be limited, including liability for fraud or for violations of state insurance law.

Indemnification

You agree to indemnify and hold harmless ItsLifeInsurance, its agents, and employees from any claims, damages, or expenses arising from your violation of these Terms or your use of our services.

Governing Law and Disputes

These Terms of Service are governed by the laws of the State of Florida. Any disputes shall be resolved in the state or federal courts located in Hillsborough County, Florida, and you consent to the jurisdiction of those courts.

Nothing here prevents you from filing a complaint with the Florida Department of Financial Services or the insurance regulator in your own state.

Severability and Entire Agreement

If any provision of these Terms is found unenforceable, the rest remains in effect. Our failure to enforce any provision is not a waiver of it. These Terms, together with our Privacy Policy, are the entire agreement between you and ItsLifeInsurance regarding this website. They do not alter the terms of any insurance policy you obtain, which are set by the carrier.

Changes to Terms

We reserve the right to modify these Terms at any time. Updated terms will be posted on this page with a revised effective date. Continued use of our site following any changes constitutes your acceptance.

Contact Us

If you have questions about these Terms of Service, please contact us at:

ItsLifeInsurance
NetPark, 5701 East Hillsborough Avenue
Tampa, FL 33610
813-727-0598
info@itslifeinsurance.com
Sun–Sat · 8am–10pm ET