Acceptance of Terms
By accessing or using ForTheOnesYouLove.com (the "Site"), you agree to these Terms of Service ("Terms"). If you do not agree with any part of these terms, please do not use our Site.
Important Notice
Your continued use of the Site constitutes acceptance of these Terms and any updates we may make from time to time. Please review these Terms periodically for changes.
Services Provided
ForTheOnesYouLove.com is an independent website that connects users with licensed insurance agents and carriers who can provide life insurance information, quotes, and options. We serve as a marketplace and referral service to help you find suitable life insurance coverage.
Important Clarification
We are not an insurance carrier and do not issue insurance policies. We do not underwrite, sell, or service insurance policies directly. All insurance products are provided by licensed third-party insurance companies.
No Guarantee of Coverage
Coverage Disclaimer
Completion of forms on our Site does not guarantee eligibility for coverage, specific policy terms, or approval. Insurance availability, features, and costs vary by carrier, state, and applicant qualifications.
- Final coverage decisions are made solely by insurance carriers based on their underwriting guidelines
- Quoted premiums are estimates and may change based on medical exams and application review
- Policy terms, benefits, and exclusions are determined by the issuing insurance company
- Some applicants may be declined coverage or offered modified terms
User Responsibilities
By using our Site, you agree that:
- You will provide accurate and truthful information in all forms and communications. False or misleading information may result in policy denial or cancellation.
- You are at least 18 years old and have the legal capacity to enter into binding agreements in your jurisdiction.
- You will not misuse our Site for fraudulent or unlawful purposes, including but not limited to identity theft, money laundering, or insurance fraud.
- You will respect intellectual property rights and not copy, reproduce, or distribute our content without permission.
- You will not interfere with Site operations or attempt to gain unauthorized access to our systems.
Electronic Communications and Signatures
By submitting information through our forms, you consent to receive communications electronically (calls, texts, and emails) and acknowledge that your electronic submission constitutes your signature under the E-SIGN Act and other applicable laws.
Electronic Signature Agreement
- Your electronic signature has the same legal effect as a handwritten signature
- You have the right to receive paper copies of electronic documents upon request
- You can withdraw consent to electronic communications at any time
- You are responsible for maintaining current contact information
Limitation of Liability
We make reasonable efforts to maintain accurate information on the Site, but we do not guarantee that all information is current, complete, or error-free.
Liability Limitations
To the fullest extent permitted by law, we disclaim liability for any damages arising from use of the Site or reliance on its content, including but not limited to direct, indirect, incidental, punitive, and consequential damages.
- We are not responsible for actions or omissions of third-party insurance agents or carriers
- We do not guarantee the accuracy of quotes or policy information provided by third parties
- Our total liability shall not exceed the amount you paid for our services, if any
- Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you
Governing Law
These Terms are governed by the laws of the United States and the state in which our company is based, without regard to conflicts of law principles.
Dispute Resolution
- Any disputes will be resolved through binding arbitration when permitted by law
- You waive the right to participate in class action lawsuits
- Disputes must be filed within one year of the incident giving rise to the claim
- Arbitration will be conducted under the rules of the American Arbitration Association
Changes to Terms
We may update these Terms at any time to reflect changes in our services, legal requirements, or business practices. Continued use of the Site after updates constitutes acceptance of the revised Terms.
Notification of Changes
We will notify users of material changes by posting the updated Terms on our Site with a new "Last Updated" date. For significant changes, we may also provide additional notice via email or prominent Site notices.
Contact Us
If you have questions about these Terms or need assistance with our services, please contact us:
support@fortheonesyoulove.com
We typically respond to inquiries within 2-3 business days.
Additional Disclaimers
- State Availability: Life insurance products, features, and pricing vary by state and carrier. Not all products are available in all states due to regulatory differences and carrier licensing requirements. We will connect you with agents licensed in your state.
- Third-Party Sites: Links on our Site may lead to third-party websites operated by insurance carriers, agents, or other service providers. We are not responsible for their content, privacy practices, or business operations. Please review their terms and policies before engaging with them.
- Not Affiliated with Facebook (Meta): This Site is not endorsed by or affiliated with Facebook (Meta). Any Facebook-related features or advertising pixels are used in accordance with Facebook's terms of service and our privacy policy.
- Medical Information: Any health-related information provided is for insurance quoting purposes only and should not be considered medical advice. Consult with healthcare professionals for medical guidance.