Last Updated: June 3, 2026
Welcome to LifeInsuranceCR. By accessing or using our website at lifeinsurancecr.com (the "Site") or submitting any information through our forms, you agree to be bound by these Terms & Conditions ("Terms"). Please read them carefully before using the Site.
If you do not agree to these Terms, please do not use this Site or submit any personal information through our forms.
LifeInsuranceCR is operated by a licensed independent insurance broker. We work with multiple top-rated insurance carriers to find the best life insurance coverage options for our clients. As an independent broker, we represent you — the client — not any single insurance company.
By submitting a quote request through this Site, you are requesting to be contacted by our licensed broker to discuss your life insurance needs and receive personalized coverage options.
By using this Site, you agree to:
When you submit a quote request through our forms, you understand and agree that:
SMS messages sent under these Terms are sent by LifeInsuranceCR, operated by a licensed independent insurance broker. Messages may include insurance quote follow-ups, appointment confirmations, policy information, and — if separately consented to — marketing messages about special offers, discounts, and service updates.
Our opt-in form provides two distinct, optional, unchecked consent checkboxes. Users may select one, both, or neither. Providing a phone number and submitting the form does not constitute consent to receive SMS messages — consent must be given explicitly and separately for each message type.
You can cancel the SMS service at any time. Just text STOP to the number from which you received the message. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at lifeinsurancecr.com.
Carriers are not liable for delayed or undelivered messages.
As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive messages based on your inquiry and agent follow-up — frequency may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
If you have any questions regarding privacy, please read our privacy policy: lifeinsurancecr.com/privacy-policy
The content on this Site is provided for general informational purposes only and does not constitute insurance, financial, legal, or tax advice. Nothing on this Site should be relied upon as advice specific to your individual situation.
Always consult with a licensed insurance professional before making any insurance decisions. Coverage options, availability, and costs vary by state, individual health status, and other factors.
We strive to keep the information on this Site accurate and up to date. However, we make no representations or warranties, express or implied, regarding the completeness, accuracy, reliability, or suitability of any information on the Site. Any reliance you place on such information is strictly at your own risk.
Pricing examples (e.g., "from $15/mo") are illustrative estimates only and are not guaranteed rates. Actual premiums depend on individual factors including age, health, coverage amount, and carrier underwriting.
This Site may contain links to third-party websites or reference third-party services. We do not control and are not responsible for the content, privacy practices, or terms of any third-party sites. The inclusion of any link does not imply endorsement by LifeInsuranceCR.
All content on this Site — including text, graphics, logos, images, and code — is the property of LifeInsuranceCR or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
This Site is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by law, LifeInsuranceCR and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of (or inability to use) this Site, including any reliance on information obtained through the Site.
You agree to indemnify and hold harmless LifeInsuranceCR and its affiliates, officers, directors, and employees from any claims, losses, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these Terms, or your violation of any third-party rights.
Your use of this Site is also governed by our Privacy Policy & SMS Terms, which is incorporated into these Terms by reference. Please review it to understand our data collection and use practices.
We reserve the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to the Site with an updated "Last Updated" date. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.
These Terms shall be governed by and construed in accordance with applicable federal and state laws. Any disputes arising under these Terms shall be resolved in the appropriate courts of competent jurisdiction.
If you have any questions about these Terms & Conditions, please contact us through our website:
These Terms & Conditions are provided for informational purposes. Please consult your legal counsel to ensure full compliance with applicable laws and regulations.