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Terms of Use

By accessing the, LLC web site, you agree to abide by these terms of use. If you do not agree with these terms, please do not access any other parts of the web site.

1. By submitting a request for a quote, you understand and agree that LLC free term life price comparison service (the "Quote Service") assumes the accuracy and completeness of the information you supply, that the Quote Service provides only an estimate of the premium you might pay for term life insurance and that the actual price of any policy you may be offered at the conclusion of your application and underwriting process may be higher or lower than the price quoted by the Quote Service. See "About Our Quotes."

You understand that, LLC does not guarantee that you will be offered a policy at the conclusion of your application process.

2. By submitting a request for a quote, you represent that you are not doing so, directly or indirectly, for the purpose of or in connection with any attempt to solicit, sell or obtain insurance to, for or on behalf of a third party (other than as a means of referring such third party to our services). You agree to promptly (within 15 days) pay, LLC -$50 for each quote that you obtain from our Quote Service in violation of this representation. You also agree to indemnify, LLC for any liability and/or damages that, LLC suffers as a result of your unauthorized use of the Quote Service or our web site.

3. The web site and content is protected by one or more copyrights, patents, database rights, trademarks, service marks and/or other intellectual property or proprietary rights that are owned by, LLC and/or third parties., LLC, and other names and indicia of, LLC and its products and/or services are exclusive trademarks and service marks or registered trademarks of, LLC Other service, product and company names appearing on the site may be trademarks or service marks of their respective owners. You may not remove any copyright, trademark or other proprietary notice or legend contained on (or printed from) the web site. We may revise the web site at any time, without notice.

4. You may not publish, broadcast, retransmit, reproduce, commercially exploit, create any derivative of or otherwise disseminate all or any portion of the web site without the express prior written permission of, LLC and any applicable third party. You may not decompose, decompile, reverse engineer, disassemble or otherwise deconstruct all or any portion of the web site, nor will you frame our web site or use any robot, spider, or other device, software or process, whether manual or automatic, to monitor or copy our web pages or the content contained herein. You may reproduce quotes and information on this web site only for your own personal, non-commercial use.

5. You agree that any controversy or legal claim arising out of or relating to these Terms of Use or our services, excluding action we may take to collect fees pursuant to Paragraph #2 and/or recover damages or obtain an injunction relating to our web site's operations, intellectual property and our services pursuant to Paragraphs #3 and #4, shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party, unless we, in our sole discretion, consent thereto. The arbitration shall be conducted in Towson, Maryland and judgment on the arbitration award may be entered in any court having jurisdiction thereof. Should either you or, LLC file an action contrary to this provision, the other party may recover attorneys fees and costs up to $10,000.

About Our Quotes, LLC operates a free term life price comparison service (the "Quote Service"). Using the information you provide, the Quote Service compares the rates from over 30 U.S. life insurance companies who offer some of the most competitive rates. The Quote Service produces an individualized price comparison report that summarizes: (1) the names of the insurers offering the lowest prices, (2) the rate class for which you may qualify based on the information you have entered, (3) the modal premium, (4) the length of any level premium rate guarantee, and (5) the financial strength ratings of the insurers as rated by A.M. Best.

The actual price of any policy you may be offered at the conclusion of your application and underwriting process may be higher or lower than the price quoted by the Quote Service. This variance may be due to additional information that the insurer discovers in the course of underwriting your application, a change in your age, or a change in the insurer's rates. If you are offered a policy with a higher rate than you expected, we will "shop your coverage" to other life insurers (with your permission) to see if another carrier will provide a better offer. (See "What if I receive a higher rate than I applied for on my life insurance policy?")

We continually monitor the market for term life insurance in the United States to ensure that the Quote Service is comparing rates from those carriers who generally offer the lowest prices. However, there are over 1000 companies licensed to sell life insurance in one or more U.S. jurisdictions. Since the Quote Service only includes the rates from 30-35 life insurers who we believe offer the best combination of competitive rates, financial strength and customer service, the Quote Service does not compare the prices from every life insurer licensed in your jurisdiction. In addition, although we believe that the life insurers included in the Quote Service generally offer the lowest prices for most rate classes, we maintain customer service standards pursuant to which we occasionally exclude otherwise highly-rated insurers who offer competitive rates from the Quote Service because they have failed to maintain certain basic standards for servicing our customers. Finally, although we believe that the quotes provided by the Quote Service are accurate, we cannot guarantee the accuracy of every quote due to the possibility of human or computer error., LLC does not guarantee that you will be offered a life insurance policy at the conclusion of your application process., LLC is not an insurance company but rather acts as an agency for over 30 insurance companies. Will Jerro, is the agent of record for all applications submitted through the, LLC service., LLC does not endorse any specific insurer.


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