TOS

Terms of Service

Effective Date: 07/15/2025
Last Updated: 07/15/2025

Welcome to Affordable Life Policies. These Terms of Service ("Terms") govern your use of our website and services. By accessing or using this site, you agree to comply with and be bound by these Terms.

1. Who We Are

Affordable Life Policies provides life insurance quotes and facilitates the sale of life insurance policies through licensed agents and trusted partners.

2. Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements to use this website.

3. Services Provided

We offer:

Online life insurance quotes
Educational resources
Access to licensed agents
Application assistance for life insurance coverage

We do not guarantee approval, pricing, or final policy terms. All coverage decisions are made by the insurance carriers.

4. No Financial or Legal Advice

All content is provided for general informational purposes only. We do not provide legal, financial, or tax advice. Please consult with a qualified professional before making any decisions based on our content.

5. User Responsibilities

You agree not to:

Provide false or misleading information
Attempt to gain unauthorized access to our systems
Use our website for any unlawful purpose
Disrupt or interfere with the operation of the site

You are responsible for maintaining the confidentiality of your information and any forms or communications submitted.

6. Third-Party Links and Partners

Our website may contain links to third-party websites or involve sharing your data with insurance providers. We are not responsible for the content, practices, or policies of those third parties. Their terms and privacy policies apply.

7. Intellectual Property

All website content—including text, graphics, logos, and software—is the property of Affordable Life Policies or its licensors and is protected by copyright and trademark laws. You may not use, reproduce, or distribute any content without our express written permission.

8. Disclaimer of Warranties

Your use of this website is at your sole risk. We provide our services “as is” and “as available,” without any warranties of any kind, either express or implied.

9. Limitation of Liability

To the fullest extent permitted by law, Affordable Life Policies shall not be liable for any damages—direct, indirect, incidental, or consequential—arising out of or related to your use of the site or services.

10. Indemnification

You agree to indemnify and hold Affordable Life Policies, its agents, affiliates, and employees harmless from any claims, damages, losses, or liabilities resulting from your use of the website or your violation of these Terms.

11. Changes to Terms

We may update these Terms from time to time. Continued use of the site after changes are posted constitutes your acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of the State of [Insert State], without regard to conflict of laws principles.

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