Terms of Service

1. Agreement to Terms

By accessing or using FindInsureWise.com, you agree to be bound by these Terms of Service. If you do not agree to these Terms, please do not use the Service.

2. Description of Service

FindInsureWise is an online insurance quote comparison platform. We provide tools to compare term life insurance quotes from multiple carriers side-by-side. We are a licensed insurance agency — we help connect you with insurance carriers but do not underwrite or issue insurance policies ourselves.

3. Eligibility

You must be at least 18 years old and a legal resident of the United States to use this Service. By using the Service, you represent that you meet these requirements.

4. Insurance Quotes

• Quotes displayed on our platform are estimates only and are not binding offers or guarantees of coverage or pricing.
• Final rates, terms, and eligibility are determined by the insurance carrier through their underwriting process.
• Quote amounts may vary based on your health history, medical exam results, and other factors evaluated during underwriting.
• We make reasonable efforts to display accurate quotes, but we do not guarantee the accuracy, completeness, or timeliness of any quote information.

5. Not Insurance Advice

• The information provided through FindInsureWise is for informational purposes only and does not constitute insurance, financial, legal, or tax advice.
• We are not acting as your fiduciary or personal advisor.
• You should consult with a licensed insurance professional, financial advisor, or other qualified expert before making insurance decisions.

6. User Responsibilities

By using the Service, you agree to:

• Provide accurate, current, and complete information when requesting quotes or submitting applications.
• Not use the Service for any fraudulent, misleading, or unlawful purpose.
• Not attempt to interfere with the proper functioning of the Service.
• Not scrape, crawl, or use automated means to access the Service without our written permission.

7. Applications and Carrier Relationships

• When you submit an application through our platform, your information is shared with the selected insurance carrier for underwriting purposes.
• The insurance carrier — not FindInsureWise — makes all decisions regarding your application, including approval, denial, and final pricing.
• Your relationship with the insurance carrier is governed by that carrier's own terms, conditions, and privacy policies.
• We are not responsible for any carrier's decisions, actions, or policies.

8. Third-Party Services

Our Service may contain links to or integrate with third-party websites, services, and insurance carriers. We do not control, endorse, or assume responsibility for any third-party content, products, or services. Your interactions with third parties are solely between you and them.

9. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Service, you consent to the practices described in the Privacy Policy.

10. Intellectual Property

All content on FindInsureWise — including text, graphics, logos, design, and software — is the property of FindInsureWise or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission.

11. Limitation of Liability

To the fullest extent permitted by law, FindInsureWise, its owners, officers, employees, and agents shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.
• Any loss or damage resulting from insurance carrier decisions, including denial of coverage or changes in quoted rates.
• Any inaccuracies in quote information provided by third-party data sources.
• Any unauthorized access to or alteration of your personal information.

12. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

13. Indemnification

You agree to indemnify and hold harmless FindInsureWise and its affiliates from any claims, losses, damages, liabilities, and expenses (including attorney's fees) arising out of your use of the Service or violation of these Terms.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Service after changes are posted constitutes your acceptance of the revised Terms.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the State of California.

16. Contact Us

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