Term Life Direct
Legal

Terms & Conditions

Effective date: June 12, 2026 · Last updated: June 12, 2026

These Terms & Conditions (the “Terms”) govern your access to and use of the website and services operated by Term Life Direct (“Term Life Direct,” “we,” “us,” or “our”), including our questionnaire and any related content (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Services.

  1. What the Services Are (and Are Not)
  2. Eligibility
  3. Your Information & Consent to Contact
  4. Estimates Are Not Quotes or Offers
  5. Third-Party Products & Compensation
  6. Acceptable Use
  7. Intellectual Property
  8. Disclaimers
  9. Limitation of Liability
  10. Indemnification
  11. Governing Law & Disputes
  12. Changes to These Terms
  13. Contact

1.What the Services Are (and Are Not)

Term Life Direct is an independent insurance marketing and referral service. The Services help you describe the coverage you are looking for and connect you with licensed insurance companies, agencies, and producers (“Insurance Partners”) that may be able to offer you that coverage.

Term Life Direct is not an insurance company, agency, broker, or producer. We do not issue, underwrite, quote, sell, or bind insurance; we do not provide insurance, financial, legal, or tax advice; and we make no determination of your insurability. Any application for coverage is made directly with an Insurance Partner, on its own website or through its own licensed personnel, and is subject to its underwriting and approval.

2.Eligibility

The Services are offered only to residents of the United States who are at least 18 years old. By using the Services, you represent that you meet these requirements. Insurance products referenced through the Services are not available in all states, and availability, features, and rates vary by state and by carrier.

3.Your Information & Consent to Contact

You agree that the information you submit through the Services is true, accurate, and about yourself (or a person who has authorized you to act for them). Submitting inaccurate information may result in inaccurate estimates and may affect any application you later make with an Insurance Partner.

If you check or click a consent disclosure on our forms, you consent by electronic signature to receive marketing communications about insurance products — including by autodialed or pre-recorded calls, text messages, and email — from Term Life Direct, its affiliates, and its Insurance Partners at the phone number and email address you provided, even if that number appears on a federal or state Do-Not-Call registry. Consent is not a condition of purchase. Message and data rates may apply, and you may revoke consent at any time as described in our Privacy Policy.

4.Estimates Are Not Quotes or Offers

Any coverage amounts, ranges, or pricing indications displayed by the Services are illustrative estimates only, based on the limited information you provide and on general market data. They are not quotes, offers of coverage, or guarantees of insurability or price. Your actual rate and eligibility, if any, will be determined solely by the issuing insurance carrier after its own application and underwriting process, and may differ materially from any estimate shown.

5.Third-Party Products & Compensation

The Services may refer you to websites, applications, or representatives operated by Insurance Partners or other third parties. Those services are governed by their own terms and privacy policies, which we encourage you to read. We are not responsible for the content, products, or conduct of any third party.

Advertising disclosure: Term Life Direct may receive compensation from Insurance Partners when you submit an inquiry, click a partner link, or apply for or purchase a product through the Services. This compensation may influence which partners we feature. We do not represent that any featured partner offers the best terms available to you, and we encourage you to compare options.

6.Acceptable Use

You agree not to: (a) use the Services for any unlawful purpose; (b) submit information about another person without authorization; (c) interfere with or disrupt the operation or security of the Services; (d) use bots, scrapers, or other automated means to access the Services; (e) copy, frame, or mirror any part of the Services without our written permission; or (f) misrepresent your identity or affiliation.

7.Intellectual Property

The Services and all content, design, text, graphics, logos, and software they contain are owned by Term Life Direct or its licensors and are protected by copyright, trademark, and other intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for personal, non-commercial purposes. No other rights are granted.

8.Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY ESTIMATE, CONTENT, OR REFERRAL WILL MEET YOUR NEEDS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

9.Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TERM LIFE DIRECT AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICES EXCEED ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

10.Indemnification

You agree to indemnify and hold harmless Term Life Direct and its officers, employees, and agents from and against any claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of your violation of these Terms, your misuse of the Services, or your violation of any law or the rights of any third party.

11.Governing Law & Disputes

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Before filing any claim, you agree to first contact us as described in Section 13 and attempt in good faith to resolve the dispute informally for at least thirty (30) days. Any dispute that cannot be resolved informally shall be brought exclusively in the state or federal courts located in Delaware, and you consent to their jurisdiction. To the extent permitted by law, each party waives any right to a jury trial and agrees that any proceeding will be conducted only on an individual basis and not as a class or representative action.

12.Changes to These Terms

We may revise these Terms from time to time. When we do, we will update the “Last updated” date above. Changes take effect when posted. Your continued use of the Services after changes are posted constitutes acceptance of the revised Terms.

13.Contact

Questions about these Terms can be directed to:

Term Life Direct
Email: [email protected]