Terms & Conditions of Use

Last Updated: May 27, 2021

Welcome to www.lisimple.com (the “Site“). This Site is owned and operated by Life Insurance Simplified LLC, (“Life Insurance Simplified,” “LiS,” we,” “us,” or “our”). The terms of use detailed below (the “Terms of Use“) govern your access to and use of the Site and services that we make available to you through the Site (the “Services”) and does not alter in any way the terms or conditions of any other agreement you may have with LiS.  By accessing or using the Site or any of the Services, you hereby agree to these Terms of Use, and you warrant that you are at least 18 years of age or the age of majority in your jurisdiction. If you do not agree with these Terms of Use, then please do not use the Site or the Services.

These Terms of Use are effective as of the “Last Updated” date specified above. We may change these Terms of Use at any time without further notice, and we will notify you of any material changes by posting a message on our home page. Your continued use of this Site or Services after such changes are implemented constitutes your acknowledgment and acceptance of any modified terms. Before each use, please consult these Terms and Conditions of Use carefully.

Collection and Use of Personal Information or Your use of the Services may involve the transmission to us of certain personally-identifiable information. Our policies with respect to our collection and use of such information are set forth in our Privacy Policy, which is hereby incorporated by reference in its entirety. You understand that by submitting your personal information, you are making a consumer inquiry for insurance offered by licensed insurance agents. You represent and warrant to LiS that, to the best of your knowledge and ability, any and all information submitted by you to this website is true and accurate. You consent to be contacted by any and all such licensed insurance agents via telephone, email, SMS text, or direct mail even if you are registered on the federal do-not-call list and/or any applicable state do-not-call list. You may withdraw consent by notifying LiS by phone, fax or email.

You are encouraged to refer to the Privacy Policy by clicking on the Privacy Policy link before providing any information.

The Services include all content, tools, links and recommendations intended to provide you with decision support related to insurance. All information provided to you through your use of these Services are provided for general informational and educational purposes. LiS does not assume any responsibility for any information received or extracted from any links. You agree that if you are located in a jurisdiction where free insurance advice or insurance quotes are limited or regulated by law, you will limit or refrain from use of such advice or quotes as required by law, and you will comply with such law.  We do not underwrite any insurance policy made available to you through the Services. Any insurance policy premium quotes or ranges displayed on the site or through the Services are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Insurance products and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The third-party insurance products offered for sale through the site are only available through licensed agents in your respective jurisdiction.

Your use of certain Services may require you to agree to additional terms and conditions, or enter into separate agreements with us or applicable third-party insurance carriers. Any third-party insurance products purchased by you through the Site are subject to the terms and conditions of the applicable insurance carrier. In the event of a conflict between these Terms of Use and the terms of any such other terms, the terms of such other terms will control.

Your Account

You do not need to register with us to visit and view the Site. However, to access certain password-protected areas of the Site and to use certain Services, you must register for an account. To register for an account, you must provide us with your first name, last name, and email address. You warrant and represent that all registration information provided by you is truthful and accurate. You are required to update your registration information as necessary from time to time. All registration information and any other personal information that you provide to us through your use of the Service is subject to the terms of our Privacy Policy.

You must create a password for your account. You are solely responsible for the confidentiality of your password, as well as for any use of the Site or any Services made using your password. Your password should only be used by you, and you should not share your password with any third party. We reserve the right to delete or change any password at any time and for any reason upon notice to you.

Any passwords used for this site are for individual use only. You will be responsible for the security of your password (if any). LiS will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that LiS considers insecure, LiS will be entitled to require the password to be changed and/or terminate your account.

Intellectual Property

The content on this site is the proprietary information of LiS, and LiS retains all right, title, and interest in it. Neither title nor intellectual property rights are transferred to you by access to this site.You may use this site for purposes expressly permitted by this site. All text and information provided on or through this site is protected by federal copyright law. and may not be duplicated, published, broadcast, photocopied, faxed, mailed, uploaded, distributed, transmitted or redistributed in any manner for any purpose, including any commercial purpose without prior written authorization by LiS.Modification or use of the content except as expressly provided in these Terms and Conditions of Use violates the intellectual property rights of LiS.

LiS trademarks, service marks and logos appearing in this site are the property of LiS. LiS retains all rights with respect to all such content appearing in this site.  You may not display the LiS name, logo or trademark appearing on this website. You agree to cooperate with LiS in causing any unauthorized co-branding, framing or hyper-linking immediately to cease.

Unsolicited Information

By submitting any unsolicited information and materials, including comments, ideas, questions, designs, and other similar communications (collectively, “Unsolicited Information”), you agree to be bound by the following terms and conditions. If you do not agree with these terms and conditions, you should not provide any Unsolicited Information through the Site. All Unsolicited Information will be considered NON-CONFIDENTIAL and NON-PROPRIETARY. We, or any of our affiliates, may use such communication or material for any purpose whatsoever, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and further posting. Further, we and our affiliates are free to use any ideas, concepts, know-how, or techniques contained in any communication or material you send to the site for any purpose whatsoever, including, but not limited to, developing, manufacturing, and marketing products. By submitting any Unsolicited Information, you are granting us a perpetual, royalty-free and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer and sell such Unsolicited Information and to use your name and other identifying information in connection with such Unsolicited Information.

Disclaimer and Limitation of Liability

YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THIS WEBSITE AND THE MATERIALS IN THIS WEBSITE ARE PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. LIS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. LIS DOES NOT REPRESENT OR WARRANT THAT MATERIALS ON THIS WEBSITE ARE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. LIS DOES NOT REPRESENT OR WARRANT THAT THIS WEBSITE OR ITS SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. LIS DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. LIS DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND LIS MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT LIS, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. LIS MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT. REFERENCE TO ANY PRODUCTS, SERVICES, PROCESSES, OR OTHER INFORMATION, BY TRADE NAME, TRADEMARK, AGENTS, SUPPLIER, OR OTHERWISE DOES NOT CONSTITUTE OR IMPLY ENDORSEMENT, SPONSORSHIP OR RECOMMENDATION THEREOF BY LIS. LIS DOES NOT UNDERTAKE ANY OBLIGATION TO UPDATE SUCH INFORMATION AFTER IT IS POSTED OR TO REMOVE SUCH INFORMATION FROM THIS SITE IF IT IS NOT, OR IS NO LONGER, ACCURATE OR COMPLETE.

IN NO EVENT SHALL LIS, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS BE LIABLE FOR ANY INCIDENTAL, DIRECT, SPECIAL, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, LOSS OF USE, LOSS OF PROFITS, OR LOSS OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEBSITE OR THE MATERIALS CONTAINED ON, OR ACCESSED THROUGH, THIS WEBSITE.

External Sites

LiS may provide links to content of third parties as a service to those interested in this information. Such linked sites are not maintained by, or related to, LiS and such links are provided as a service to users and are not sponsored by or affiliated with this site or LiS. LiS does not monitor nor does LiS have control over any third-party content or third-party websites. iS has not reviewed any such sites and is not responsible for the content of those sites.  LiS does not endorse or adopt any third-party content and can make no representation or warranty as to its accuracy or completeness. Links are to be accessed at the user’s own risk, and LiS makes no endorsement, representations or warranties about them.

Indemnity

You will indemnify and hold LiS, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (the “Indemnified Parties”) harmless from any breach of these Terms and Conditions of Use by you, including any use of content other than as expressly authorized in these Terms and Conditions of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of this site.

You are prohibited from using any services or facilities provided in connection with this site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, LiS reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. LiS reserves the right to investigate suspected violations of these Terms and Conditions of Use.

LiS reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing LiS to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms and Conditions of Use.

BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS LIS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY LIS DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER LIS OR LAW ENFORCEMENT AUTHORITIES.

Applicable Law

These terms and conditions shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its choice of law principles to the contrary. You agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in, and resolved in, the federal or state courts in the State of Delaware, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of this Notice.

Termination

Notwithstanding any of these terms and conditions, LiS reserves the right, without notice and in its sole discretion, to terminate your license to use this website, and at any time to block or prevent future access to and use of this website.

Severability

If any provision of these terms and conditions shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions. If you have any questions about this legal notice, or the above terms and conditions of use, please contact your legal counsel.

Advertising Discloser

Rates and savings are non-binding, subject to change, and based on a hypothetical customer that may not apply to you. Your specific rate and savings will vary based on individual circumstances, including age, gender, height, weight, health, location, issuing insurer, coverage amount, time of purchase, and other factors. Coverage and rates are subject to verification and underwriting approval by the issuing insurer.