Terms of Use

OUR LIFE COVEREDSM is the marketing and sales site of the agency, My Life Covered LLC (“the Agency”), which is licensed to sell life and health insurance.

This Terms of Use document outlines the terms and conditions relating to your use of this website and provides additional information about the Agency. These Terms of Use are applicable to your use of this site regardless of how you accessed it. If you do not wish to be bound by these Terms of Use, please discontinue using and accessing this site immediately.

Your Use of This Site

You may not use this site to engage in any illegal activity. You may not sue this site to engage in conduct which is defamatory, libelous, threatening, or harassing or that infringes on a third-party intellectual property or other proprietary rights. In the event you engage in activity that is illegal, defamatory, libelous, threatening, or harassing, the Agency reserves the right to disclose any information you provide through the use of this site or other Agency-owned electronic sites or applications to law enforcement authorities as deemed appropriate in the sole discretion of the Agency. You agree that any information you provide through this site will be truthful and accurate.

Emails to My Life Covered LLC Addresses

The My Life Covered LLC email system is a private email system intended only for purposes authorized by the Agency. You are not authorized to send numerous unsolicited commercial email messages to any email addresses @ My Life Covered LLC. The Agency reserves the right to take actions as maybe necessary to prevent misuse of its email system by unauthorized parties.

Disclaimer of Warranties

Any information, services, materials, software, calculators, or other items on this site are provided “as is” without any warranty of any kind, either expressed or implied, including without limitation, the implied warranties of merchantability and fitness for a particular purpose. The Agency does not warrant that this site will be uninterrupted or error fee. Any risk arising out of use or performance of the information, services, materials, software, calculators or other items remains entirely with you. Under no circumstances will My Life Covered LLC be liable for any damages whatsoever arising out of the use or performance of the information, services, materials, software, calculators, or other items.

Intellectual Property Rights

The name, term, and logo “My Life Covered LLC”, and all other URLs or logos contained within the Agency websites (not including the individual insurance company names or logos) are considered intellectual property and/or federally registered trademarks or service marks of the digital agency, My Life Covered LLC, a wholly owned subsidiary of RGAx and its affiliated organizations. The Agency may possess intellectual property rights in other logos, words, or phrases not listed here. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this site including but not limited to graphics, text, software, audio, video, and files, are the property of the Agency and are protected by copyright or other intellectual property laws.

The Agency reserves all rights to its intellectual property. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark, and other notices are retained. ALL OTHER USES ARE PROHIBITED.

You are not authorized to use any portion of this site or any other intellectual property on any other site, in the meta tags of any other site, or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this site’s content, or frame this site within any other site.

Links to/From Other Sites

For your convenience, the Agency may provide links to other internet sites that the Agency does not maintain. You should not interpret any link to/from other sites as indicating that the Agency sponsors or endorses the sites or their materials, or that the sites are affiliated with the Agency in any manner. The Agency is not responsible for anything contained on such sites and makes no warranties or representations about the contents, products, or services offered on such sites. The Agency is not responsible for and makes no warranties or representations about the content, products, or services offered on any sites that you may elect to uses in connections with this site.

Availability of Products and Services

Not all of the products or services described on this site are available in all states. You may not be eligible for all products and services and the Agency reserves the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements. The portions of this site related to such products and services provide additional information about terms, conditions, representations, agreements, eligibility, and availability.

Other Agreements

These Terms of Use apply to your use of this site and do not change or alter any other contract or agreement between you and the Agency.

Changes to This Document

The content of this site and these Terms of Use are subject to change without prior notice.

Applicable Law/Severability

These Terms of Use shall be governed by and interpreted according to the laws of the State of Missouri without respect to any conflict of law provisions. If any portion of these Terms of Use is unlawful, void, or unenforceable, it shall not affect the validity or enforceability of any other provision.

Additional Information about The Agency

The digital insurance agency, My Life Covered LLC, is organized under the laws of the State of Missouri and licensed in all States and the District of Columbia. Home offices are located in Chesterfield, Missouri. The Agency is a wholly-owned subsidiary of RGAx and is principally engaged in selling life and health insurance.

Please Contact Us for additional information.