Terms of Service

Please read these Terms of Service carefully before using LifeInsurance8.com. By accessing or using our website, you agree to be bound by these terms.

1. Acceptance of Terms

By accessing this website, you are agreeing to be bound by these Terms of Service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

2. Nature of Service

LifeInsurance8.com is an independent insurance lead platform and information provider. We are not an insurance company, insurance agency, or licensed insurer. We do not issue insurance policies. We connect consumers looking for life insurance with licensed insurance professionals and carriers who can provide quotes and coverage.

3. AI Advisor Disclaimer

The "Life Insurance AI" tool provided on this website is for educational and informational purposes only. It is not a substitute for professional financial or insurance advice. The estimates and guidance provided by the AI do not constitute a formal offer of insurance or guaranteed rates.

4. Quotes and Estimates

Any rates, quotes, or estimates provided via our Rate Estimator or AI tools are purely informational and based on industry averages. Your actual premium will be determined by the carrier's underwriting process, which will review your detailed medical history, age, and lifestyle factors.

5. User Consent

By submitting your information through our quote forms, you represent that the information is accurate and you are over the age of 18. You also agree to our Privacy Policy and provide express consent to be contacted by our network of licensed agents regarding insurance products.

6. Limitation of Liability

In no event shall LifeInsurance8.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on LifeInsurance8.com's website.

7. Contact

If you have any questions regarding these Terms, please contact us at legal@lifeinsurance8.com.