Terms of Use
Last updated: January 25, 2026
USE STATEMENT
Welcome to ChoiceLifeQuote.com, an online platform designed to help consumers learn about life insurance and annuity products, compare options, request quotes, and initiate applications through licensed professionals. By accessing or using our Services, you accept and agree to be bound by these Terms of Use (“Terms”). If you do not agree, please discontinue use of our website and Services.
USER ELIGIBILITY
Our Services are intended for U.S. persons who are seeking information or assistance in obtaining life insurance or annuity products within states where partner agents are duly licensed and appointed. Insurance products are not offered outside of the United States, and international users should not rely on our materials for financial or insurance purposes.
Eligibility is based on several practical factors, including residency, licensing jurisdiction, product availability, and carrier underwriting guidelines. Information contained on this site does not and is not intended to constitute an advertisement, solicitation, or offer for sale in any jurisdiction outside the United States.
NOT AN OFFER OF INSURANCE
The information on our website—including product descriptions, rate comparisons, and educational material is intended as a resource for consumers. Insurance coverage can only be issued after application, underwriting review, carrier acceptance, premium payment, and formal policy delivery in accordance with applicable state law.
While our website may display illustrative quotes or ranges, these are estimates based on carrier rate information and may vary significantly based on underwriting outcomes and state availability. Consumers should understand that no insurance contract exists until the carrier formally issues a policy.
LICENSED AGENT INVOLVEMENT
Insurance regulations require that insurance applications be completed and submitted through licensed agents. ChoiceLifeQuote.com may facilitate contact between consumers and licensed agents, agencies, brokers, carrier personnel, or vendors who assist in the quoting or underwriting process.
These representatives may gather additional information, help assess suitability, and submit applications for consideration. We may also share consumer information with licensed third-party professionals exclusively for these purposes. Consumers are never charged additional fees for this facilitation.
NO FINANCIAL, LEGAL, OR TAX ADVICE
Our website offers educational information intended to help consumers understand insurance concepts and options. However, none of our content should be interpreted as:
- Financial planning advice,
- Tax strategy advice,
- Legal guidance, or
- Investment advisory services.
Insurance can have financial and tax implications, and consumers are strongly encouraged to consult licensed or credentialed professionals such as attorneys, accountants, tax advisors, or financial planners prior to making decisions.
USER RESPONSIBILITIES
Users agree to provide accurate, truthful, and complete information when requesting quotes, applying for coverage, or communicating with our representatives. Insurance quotes and underwriting decisions rely heavily on the accuracy of personal, financial, occupational, and health disclosures.
Providing false or misleading information to obtain insurance benefits may be considered insurance fraud and can carry significant civil and criminal penalties.
Users must also refrain from disrupting or abusing website functionality, attempting unauthorized access, mining or scraping site data, or using our Services for any unlawful or commercial resale purposes.
COMMUNICATIONS CONSENT
By submitting information through our platform, you consent to receive communications related to insurance quotes, application processing, or service requests via:
- Telephone (including autodialed or recorded calls),
- SMS/text messaging,
- Email,
- Postal mail, or
- Other authorized communication methods.
These communications may be initiated by ChoiceLifeQuote.com, its partner agents, agencies, or carrier vendors solely for legitimate business purposes. Consumers may withdraw consent or opt-out at any time, and consent is never a condition of purchase. Message and data rates may apply.
INTELLECTUAL PROPERTY
All content, including logos, software, tools, databases, text, images, educational materials, and branding used on or through our website, is owned by or licensed to ChoiceLifeQuote.com and is protected under U.S. trademark and copyright law. Users may not distribute, reproduce, modify, reverse-engineer, or exploit any of our intellectual property without express written authorization.
EXTERNAL LINKS AND THIRD PARTIES
Our Services may link to third-party websites for convenience, carrier quoting tools, underwriting resources, or educational material. We do not control or endorse these external resources and are not responsible for their content, privacy practices, or security protocols. Users assume all risks when visiting third-party websites.
SERVICE DISCLAIMERS
The Services are provided on an “as-is” and “as-available” basis. While we make reasonable efforts to ensure accuracy, we do not guarantee that quotes displayed will match final underwriting outcomes or that products will be available in all jurisdictions.
Insurance rates and eligibility vary based on risk class, state insurance regulations, carrier guidelines, and health disclosures. Nothing on our site guarantees insurability, approval, or specific premium rates.
LIMITATION OF LIABILITY
To the fullest extent permitted by law, ChoiceLifeQuote.com and its affiliates are not liable for any direct or indirect damage arising out of the use or inability to use our Services, including loss of data, lost profits, business interruption, or reputational harm. Users access and use the site at their own discretion and risk.
OWNER INDEMNIFICATION
Users agree to indemnify and hold ChoiceLifeQuote.com and its affiliates harmless against claims, losses, damages, or expenses arising from breach of these Terms, misuse of the Services, or violation of applicable laws.
GOVERNING LAW AND VENUE
These Terms shall be governed by the laws of the State of Alabama, without regard to conflict-of-law principles. Any disputes shall be resolved in courts located within the state of Alabama.
MODIFICATION OF TERMS
We reserve the right to update or modify these Terms at any time. Material changes will be posted on the website with an updated revision date. Continued use of the Services constitutes acceptance of the revised Terms.
CONTACT INFORMATION
Users may contact us with questions relating to the terms of use at:
ChoiceLifeQuote.com
Phone: (800) 770-8229
Email: jshiver@choicelifequote.com
Mailing Address:
209 Squirrel Hollow Drive
Enterprise, Alabama 36330