Terms and Conditions

1. About United Family Life

United Family Life is an insurance marketing and lead-generation platform. We do not issue insurance policies, make underwriting decisions, or guarantee coverage, rates, or eligibility.

Insurance products are offered by licensed insurance companies and sold by properly licensed insurance agents, where required by law.

2. Eligibility

You must be at least 18 years old and a resident of the United States to use this website. By using the site, you represent that you meet these requirements.

3. Information You Provide

You agree to provide accurate, current, and complete information when submitting forms on this website. You are responsible for maintaining the accuracy of the information you provide.

Submission of information does not constitute an application for insurance and does not guarantee coverage.

4. Communications & Consent

By submitting your information, you expressly consent to be contacted by United Family Life, licensed insurance agents, and marketing partners via phone calls, emails, and text messages, including automated or prerecorded communications.

Consent is not a condition of purchasing insurance. Message and data rates may apply. You may revoke consent at any time using the opt-out instructions provided in communications.

5. No Professional Advice

Content on this website is provided for general informational purposes only and does not constitute legal, financial, or insurance advice.

Coverage decisions, pricing, and policy terms are determined solely by the issuing insurance carrier.

6. Intellectual Property

All content on this website, including text, graphics, logos, and design, is owned by or licensed to United Family Life and is protected by applicable intellectual property laws.

You may not copy, reproduce, modify, distribute, or exploit any content without prior written permission.

7. Limitation of Liability

To the maximum extent permitted by law, United Family Life shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on its content.

8. Third-Party Links

This website may contain links to third-party websites. United Family Life is not responsible for the content, policies, or practices of third-party sites.

9. Changes to These Terms

We may update these Terms from time to time. Changes will be effective when posted, as indicated by the “Last updated” date above.

10. Governing Law

These Terms are governed by and construed in accordance with applicable United States and state laws, without regard to conflict-of-law principles.