Terms of Use

Acceptance of these terms

These Terms of Use govern your use of covforlife.com. By using the website, you agree to these terms. If you do not agree, please do not use the site.

Educational information only

CovForLife publishes general educational information. It is not financial, legal or insurance advice, and CovForLife is not a lender, insurer, broker or government agency.

Content on this website is provided for general educational purposes. It does not take into account your individual circumstances and should not be relied on as a substitute for advice from a licensed insurance professional, attorney, tax advisor or financial planner. Life insurance products, prices and rules vary by insurer and by state.

No professional relationship

Reading our guides, contacting us or subscribing to our updates does not create an advisory, agency, broker, fiduciary or other professional relationship between you and CovForLife. We do not sell insurance or provide quotes.

Accuracy and timeliness

We work to keep our content accurate and current, and we review our guides regularly. However, information may become out of date, and we make no representations or warranties that the content is complete, accurate or suitable for any particular purpose.

Acceptable use

You may view and share links to our content for personal, non-commercial purposes. You agree not to:

• copy, republish or sell our content without permission;
• submit false, misleading or unlawful information through our forms;
• attempt to interfere with the security or operation of the website; or
• use automated means to collect content or submit forms.

Intellectual property

The text, design and logo on this website belong to CovForLife and are protected by applicable intellectual property laws. Photographs are used under the Unsplash license and remain the property of their respective photographers.

Email and text messages

If you sign up for updates, you agree to receive the communications you selected. You can unsubscribe from email at any time and can stop text messages by replying STOP. Our text message program is described in our Mobile Policy, and our handling of your information is described in our Privacy Policy.

Your submissions

Please do not send sensitive personal information, such as Social Security numbers, policy or account numbers, or health information, through our forms. If you send us feedback or suggestions, we may use them to improve our content without any obligation to you.

Links to other websites

We link to official public resources for your convenience. We do not control those websites and are not responsible for their content, availability or practices. A link does not imply affiliation or endorsement.

Disclaimer of warranties

The website and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement, to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, CovForLife will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss arising from your use of, or reliance on, this website or its content, including decisions you make about insurance or other financial matters. Where liability cannot be excluded, it is limited to the extent permitted by law.

Indemnification

You agree to indemnify and hold CovForLife harmless from claims arising out of your misuse of the website or your violation of these terms.

Governing law

These terms are governed by the laws of the United States and the laws of the state in which CovForLife operates, without regard to conflict-of-law principles.

Changes to these terms

We may update these Terms of Use from time to time. The date at the top of this page shows when they were last changed. Continued use of the website after a change means you accept the updated terms.

Contact us

Questions about these terms can be sent to info@covforlife.com.