Quote / Offer Terms and Conditions:
By pressing the Quote Submit Button you agree and give consent to receive quotes for Mortgage Protection Insurance/ or and other insurance services to your mobile phone including SMS or MMS messages or/and the email address you provided. You consent and give permission to the licensed brokers, agents or/and field underwriters associated with Life Insurance Brokers Group or/and its 3rd party partners and affiliates to do so. You recognize and understand that you are not required to sign this authorization in order to receive insurance services. No obligations of purchasing any insurance is required by you. Under no circumstances do you hold licensed brokers, agents or/and field underwriters, associated with Life Insurance Brokers Group or/and its partners and affiliates accountable for any liabilities by contacting you by phone or email from this quote. You understand in order to get a proper quote or offer, a license agent will need to gather more personal information regarding health, employment, age, and basic information to help underwriting get you an accurate quote or offer. Quotes are sometimes not the final quote, as Insurance Companies must also agree and do their underwriting to see if the application can be approved at the quote the agent or broker has stated on the application.
Scott Smith at Lifeinusrancebrokersgroup.com is an affiliate and partner with Vivos located at www.terravivos.com. Scott Smith is a 3rd party partner for Vivos and will receive a commission for any referrals made by Scott Smith or from Lifeinusrancebrokersgroup.com if a sale is made.
LifeInsuranceBrokersGroup.Com is determined to protect the information that you provide. When you volunteer your information, it is stored on a secure server which is only accessed by LifeInsuranceBrokersGroup.Com .
This information is used solely for assessing customer requirements for insurance purposes, updating existing policies, or to apply requisite information to an application.
LifeInsuranceBrokersGroup.Com will also inactively collect non-identifiable personal data which is used for the purpose of improving the customer usability and overall quality of our website.
Please remember that it is essential when purchasing a policy from LifeInsuranceBrokersGroup.Com that your details should be given to the insurance company, so that they may start the proceedings with the service.
It is possible that LifeInsuranceBrokersGroup.Com will use third party services when completing your order or for the purpose of validating your application. This is solely in order to provide you with this service and is essential to your application.These third parties are prohibited by law from sharing your personal information or using it to promote or market their own business.
Restrictions, Limitations and Conditions of Use
Any unauthorized use of our Site or Site Content for any purpose is prohibited. Your rights to this Site are given on the condition that you use the Site in accordance with these Terms. You may not use the Site for any unlawful purpose and you may not participate in any of the following:
Access, solicit, collect or use any personally identifying information about any other users of the Site or anyone else;
restrict or inhibit others from using the Site;
Transmit to or introduce at the Site any viruses, harmful software, or other modifications or changes to the Site or reverse engineer, decompile, disassemble, reverse assemble or modify any Site source or object code or any software or other services or processes accessible through any portion of the Site or Site Content;
submit, upload, email or otherwise transmit any content or other materials, to or through the Site which (a) is threatening, abusive, defamatory, obscene, vulgar, offensive, or otherwise objectionable, or which may harm minors; (b) infringes or violates the rights of others, or (c) has an advertising, political marketing, promotional or other commercial purpose;
engage in any activities that interfere with another user’s access to the Site or the proper operation of the Site; or
distribute or copy any Site Content manually or by using any robot, scraper, crawler, or any other automatic device or process; frame or utilize framing techniques to enclose any Site Content; or use content from our Site in a manner that suggests an unauthorized association with any of our or our licensor’s products, services or brands.
LifeInsuranceBrokersGroup has no obligation to monitor your interaction with the Site, but reserves the right to review or monitor the Site and any user submissions in its sole discretion.
Links to Other Sites
Disclaimer, Limitation of Liability, and Indemnification
The materials, Site Content and services offered on the Site are provided “AS IS” and without warranties of any kind. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of non-infringement, merchantability and fitness for a particular purpose. We do not warrant that the use of the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or the server(s) that make it available or any advertised or hyperlinked site are free of viruses or other harmful components or that the Site, server(s), or advertised or Linked Sites will be accessible at all times. We do not warrant or make any representations regarding the use of the Site or any information contained therein, including Site Content, with respect to correctness, accuracy, availability, reliability, graphics, links or otherwise. You assume the entire cost of all necessary servicing, repair or correction to any equipment you use to access the Site. To the extent that applicable law may not allow the exclusion of implied warranties, the above exclusions may not apply to you.
Documents, information, product descriptions, graphics and other materials appearing on the Site may include technical inaccuracies, miscalculations, typographical errors, and out-of-date information. Use of such documents, information, product descriptions, graphics or other materials is at your own risk.
You waive any and all claims and rights against us and our affiliates, parents, and successors and each of our employees, assignees, officers, agents and directors (the “LifeInsuranceBrokersGroup Parties”) resulting from injury or damage to, or destruction, theft, or loss of, any property, or person, to the maximum extent permitted by applicable law. None of the LifeInsuranceBrokersGroup Parties will be liable to you under any cause of action, for any direct, indirect, special, incidental, consequential, reliance or punitive damages, including loss of profits or business interruption. You hereby agree to indemnify the LifeInsuranceBrokersGroup Parties from and against any and all claims, liabilities, and expenses (including reasonable attorneys’ fees), resulting from your use of the Site or any breach of these Terms by you.
Ability to Accept Terms
You affirm that you are the age of majority in your jurisdiction and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms, and to abide by and comply with these Terms. The Site is not intended for children under the age of eighteen (18). If you are under 18 years of age, then please exit now and do not use this Site.
Data Processed in the United States
LifeInsuranceBrokersGroup processes data in the United States, and we make no representation that this Site is appropriate or available for use beyond the United States. If you use this Site from other locations, you are doing so on your own initiative and are responsible for compliance with applicable local laws regarding your online conduct and acceptable content, if and to the extent local laws apply. This Site may describe programs and services that are available only in the United States (or only parts of it). We reserve the right to limit the availability of this Site and/or the provision of any content, programs, service, or other feature described or available on this Site to any person, entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the quantities of any content, program, service, or other feature that we provide.
LifeInsuranceBrokersGroup.com only sells insurance in states where we are licensed to sell.
Our Services are offered through our licensed insurance producer entity, LifeInsuranceBrokersGroup.com LifeInsuranceBrokersGroup.com is not an insurance carrier. Instead we provide the products and services of our admitted insurance carrier partners licensed to sell insurance in your state. Not all products are available in all states. LifeInsuranceBrokersGroup.com is paid commissions and may receive other performance-based compensation for its services.
The products we offer are only for people who live in the United States. We don't and don't intend to sell insurance products outside the United States, or anywhere LifeInsuranceBrokersGroup.com isn't licensed.
Our quote is not the final price
LifeInsuranceBrokersGroup.com generates quotes for life insurance products. These prices change based on your answers to our questions and information collected during your application, your choices for different products, or due to changes of insurance pricing guides. For example, if you apply for life insurance just before your birthday, but don't pay for it that day, it can cost more a few days later --- as it's after your birthday and your price may go up as you get older. Whenever you leave your application before you pay, your price may change. Your price isn't final and set until you sign your insurance contract with our insurance carrier and pay your initial premium.
LifeInsuranceBrokersGroup.com protects its brand and assets
© 2020 LifeInsuranceBrokersGroup.com. All rights reserved. LifeInsuranceBrokersGroup.com and all of our logos and designs are trademarks and/or service marks of LifeInsuranceBrokersGroup.com. You may not use our images or logos without first getting the okay from us in writing.
Everyone who uses our Services and visits our website should respect intellectual property laws and the rights of LifeInsuranceBrokersGroup.com. If something does not look right on our website or if you have any concerns, you may send us questions. We will work quickly to look into your question and will remove material from our website if we determine third party copyrighted material is displayed without LifeInsuranceBrokersGroup.com holding a license to do so. Your notice must follow the requirements of U.S. Copyright Act 17 U.S.C. 512(c)(3) and all regulations promulgated, each as amended (Notice Requirements), and/or the specific requirements of the Digital Millennium Copyright Act of 1998 (DMCA), whichever applies. If you inappropriately report a violation, infringement, or ownership of a copyright, you may be liable for damages (including reasonable costs and attorneys' fees).
LifeInsuranceBrokersGroup.com’ name, logos, designs, business processes, and everything else that's part of our Services are protected by intellectual property rights including copyright, trademark, trade secret, and other laws of the United States. Our Terms don't give you any license to use any of our intellectual property, other than as necessary to use our Services and to assist you in purchasing insurance products we make available to you.
You agree to honor LifeInsuranceBrokersGroup.com' ownership rights related to our Services and the rights of the other parties whose intellectual property is included in the Services. You will not misuse Services or any third party intellectual property used along with the Services. You may not copy or reproduce any of the Services in any form or by any means; you may not rent, sell, lease, grant, modify, distribute, or create derivative works based on the Services. You will not trespass, bypass, interfere with, disrupt any host or network systems, burden the network capacity, overload, flood, spam, mail-bomb, infect, or install or send a virus, spyware, or any other malware or Trojan horse of any kind, or in any other way disrupt the proper operation of the Services.
We are not granting you any right, title, license, or interest in the Services.
Your LifeInsuranceBrokersGroup.com Account
Your LifeInsuranceBrokersGroup.com account keeps your relevant content and documents related to the Services, such as copies of your policy documents. We strive to keep your information safe. The most sensitive part of data security is your password. We need to be able to assume that anyone using your LifeInsuranceBrokersGroup.com Account, by using your password and credentials, is you. We'll never ask you to email us your password. Don't share it with anyone. Always use a unique, hard-to-guess password. Quickly ask to reset your password if you ever suspect that your password and credentials are ever at risk.
Also, by creating your LifeInsuranceBrokersGroup.com Account, you agree that the information you share is true and accurate, and that you will keep your information up-to-date, complete, and accurate. This is important for both managing your insurance products and offering you exceptional service. For example, if you move to a new place, your policy may have to be updated as each state has different rules for insurance products.
Disclaimer of Warranties
WE DO NOT PROVIDE ANY WARRANTIES WITH RESPECT TO THE USE OF THE SERVICES, INCLUDING ANY AND ALL SOFTWARE INCLUDED THEREIN, WHICH IS PROVIDED "AS-IS". YOU USE OUR SERVICES WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OR CONDITION OF ANY KIND, AT YOUR OWN RISK. LifeInsuranceBrokersGroup.com DISCLAIMS ANY AND ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. We do not take on or assume any responsibility for any harm, loss, or corruption to you, your computer, or your data (or any third party data or computer) from your use of our Services. Some states don't allow for these limitations of liability. If you live in one of these states, then these warranties will be limited and the limitation on liability will be $100.00 in the aggregate for any and all claims.
The Services include information to help you think through what insurance is best for you. We aren't a replacement for your lawyer, financial advisor, or tax planning specialist. We simply provide useful information to help you think through your insurance decisions.
Limitation of liability
IN NO EVENT SHALL (I) LifeInsuranceBrokersGroup.com BE LIABLE TO YOU OR ANY THIRD PARTY FOR SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, REVENUES OR SAVINGS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE, AND (II) OUR LIABILITY FOR DAMAGES TO YOU OR ANY THIRD PARTIES EXCEED, IN THE AGGREGATE, THE FEES PAID BY YOU TO US DURING THE LAST YEAR PRIOR TO THE DATE SUCH CAUSE OF ACTION ARISES.
YOU ACKNOWLEDGE THAT (I) THE LIMITATIONS ON LIABILITY IN THIS SECTION ARE REASONABLE AND THAT THE PROVISIONS OF THIS SECTION ALLOCATE THE RISKS UNDER THIS AGREEMENT BETWEEN YOU AND US (AND OUR AFFILIATES), AND (II) WE AND YOU HAVE RELIED UPON THE LIMITATIONS SET FORTH HEREIN IN DETERMINING WHETHER TO AUTHORIZE YOU TO USE THE SERVICES. THE REMEDIES PROVIDED TO YOU IN THE TERMS ARE EXCLUSIVE. Some states do not allow for these limitations of liability. If you live in one of these states, these limits don't apply to you, and the maximum liability for any of these violations will be $100.00 in the aggregate for any and all claims.
You agree that these are the Terms for your use of the Services, and you have not entered into any other agreement related to your use of the Services. We haven't and don't create any third party beneficiary rights by the Terms. If we waive or fail to enforce any of the Terms, it doesn't waive our right to enforce the Terms against you or someone else in the future. You may not assign any rights granted by the Terms to any third party, and any attempt to do so will be null and void. LifeInsuranceBrokersGroup.com may assign the Terms to any affiliate, subsidiary, or any acquirer of substantially all of the assets or capital securities of LifeInsuranceBrokersGroup.com. If a provision of the Terms is found unenforceable, the remaining provisions of the Terms will remain in full effect, and we will substitute a replacement enforceable term reflecting our intent as closely as possible.