legal information

We believe the information provided on this website to be accurate, and we make every effort to minimize errors. However, since both humans and computers are subject to mistakes, and since information and rates can change quickly, we cannot absolutely guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please let us know – we want to hear from you.

The rates quoted may be provided by mail, email, phone, or online are estimates. These quoted rates are generally representative of the rate classes available, based on the very limited data gathered on you, for various life insurance products as of the date that any rate comparisons are prepared by us. Rates provided in this manner are not firm quotes or offers, but rather estimates. These estimates are based on limited information you provided to us. Rates and availability are subject to the application and underwriting requirements and approval by the insurance company you selected. The requirements and criteria to qualify varies widely among insurance companies. If you apply for coverage, we will advise you of any and all required illustrations, applications, supplemental forms, and other documents necessary to evaluate your application for coverage.

Rates, plans, and availability also vary by state. Rates on most level term life insurance plans will typically increase annually after the initial guarantee period ends. Initial guarantee periods vary, and typically range from 1 to 30 years, depending upon the product you select. Rates on most whole life insurance plans remain the same for the life of the policy. Suicide, misstatement, and misrepresentation restrictions may apply. Availability of premium rates and policy forms may be changed by each insurer without prior notice.

All solicitations to apply for coverage and all subsequent applications for insurance are made through the digital agency, My Life Covered LLC (“the Agency”). Advisors who provide you advice and sell you insurance are required to be licensed by each state for the lines of business sold. The Agency is licensed to sell life and health insurance in all States and the District of Columbia. This website is not a solicitation to sell insurance in any jurisdiction nor line of business where we are not licensed to do so. If information is provided inadvertently to any person or company in a jurisdiction in which the Agency is either not duly licensed and/or appointed, such information should be discarded (and treated as a clerical error). You should seek a qualified, licensed, and appointed representative to assist you.

We may occasionally provide premium rates, features, financial strength ratings, and/or other information about certain companies and products for which we are not appointed to sell. This information is provided as courtesy and should not be construed as a solicitation or invitation for application for the sale of such products.

You agree and understand that we may contact you via phone or email to follow up regarding your request for life insurance. This follow up may be needed to verify information for the purpose of giving you the most accurate quote and/or best service possible.

When you fill out our quote request form, you are explicitly initiating a relationship with us (as defined by the National Do Not Call Registry). By inviting and consenting to the receipt of information by the Agency and its affiliate partners – including any call centers (which may be provided to you online, phone, email, US Mail, etc.), you are indefinitely waiving any right to claim that we or our affiliates contacted you without your express consent. At any time, we will immediately honor any request to be placed on our internal “do not contact” list. (Click here to be added to our “Do Not Contact” list).

Under Title V of the Gramm-Leach-Bliley Act, consumers have the right to limit the dissemination of nonpublic personal information. The Agency maintains a strict policy against the dissemination of nonpublic personal information, which may be found in the files of its clients and applicants. All employees are trained and aware of the confidentiality of such information. Such nonpublic personal information is routinely provided by consumers to life insurance companies and related individuals. These related individuals include, but are not limited to, their advisors, wholesales, and reinsurers, all of whom need this information in order to evaluate their inquiries; provide accurate price quotations; and underwrite the applications for coverage. As such, it is understood that by filling out and submitting a quote request form, or application form, consumers are granting the Agency the permission to evaluate this information. And, in its sole judgment, to share it with our affiliates and service providers, insurance companies, their reinsurers, wholesalers, and other related parties (including the applicant) as necessary for the purpose of shopping for, evaluating, making recommendations regarding, and/or underwriting any proposed or existing life insurance coverage. Such nonpublic personal information is not used for any other purpose.

The Agency derives most of its revenue through commissions and/or fees earned from the sale of life insurance and other related products. The insurance industry is strictly regulated and extremely competitive. As such, commissions paid by insurance companies to brokers are often similar, but they can and do vary from company to company. It is entirely possible that several competing products may be available at the same, or similar, pricing and that the sale of one of them may result in a higher total commission than the sale of another. That being said, we are serious about our commitment to deliver the best value to our customers. We believe that, in order to determine which product represents the best value, we must examine the price, features, financial strength of the insurance company, as well as the availability based on your individual profile. We are also acutely aware of the fact that, as a consumer, you have many choices as to where you buy anything, including your life insurance. If we don’t provide you with the best overall value, we expect that you will find someone who will. Our success as a company depends upon our continuing to deliver a superior value to our customers. We appreciate your trust, and the opportunity to earn your business.

The underwriting (risk assessment), if necessary, will not begin until after the fully completed and signed application is received by the insurance company.

In conjunction with any formal application for insurance, except as may be provided in a properly-executed Conditional Receipt, no coverage is in force until the insured has received the issued policy, paid the premium, and completed any other policy delivery requirements that might be required by the insurance company. If there is any question, concern, or ambiguity regarding this issue, please refer to the language on the insurance company’s application form.

The Agency herein advises all applicants for insurance (proposed insureds) NOT to cancel any existing coverage UNTIL they have received their new policy from the issuing company and found it to be satisfactory. Even if you are applying for coverage to replace an existing policy, NEVER cancel the existing coverage until the new policy is approved, in force, paid for, and delivered.

Free look on all policies: the insurance carrier provides 10 days (or longer if your state insurance laws specify) to look over any new policy. And if, for any reason, you decide to cancel the policy within 10 days after receiving it, you will receive a full refund of all premiums paid, no questions asked.

This web site has been painstakingly designed with the intention of providing as much information as possible to consumers who seek to educate themselves and make informed decisions about their life insurance. However, since each individual’s situation is different, none of the information provided herein should be construed as legal, tax, financial planning, or other professional advice. Only after a thorough review of your individual needs and circumstances can specific professional advice ever be appropriately provided.

The information in the website is provided “as is” and without warranties of any kind either expressed or implied. The Agency hereby disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

The content herein should be deemed to be published by the Agency and not any other party, including any particular insurance company(s). In no event shall the Agency be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein. The Agency is not obligated to monitor any transmission made to or through any of the pages contained on this website or any website which may be linked to or from this website. However, and notwithstanding anything herein to the contrary, the Agency has the right to monitor such transmissions and to use or disclose information gathered from this site. All content, pages, data, and designs contained in this website (with the exception of Insurance Company names and logos, which are the exclusive property of the respective insurance companies) are copywritten by RGAX, and may not be copied or reproduced, in whole or in part, in any form without our express written consent. The name and logo “My Life Covered LLC”, and all other URLs or logos contained within the Agency websites are federally registered trademarks or service marks of the digital agency, My Life Covered LLC, a wholly owned subsidiary of RGAX d/b/a for My Life Covered LLC.

The Agency bears responsibility for the content of the advertisements that the Agency creates, but not the method and manner of delivery of such advertisements. Notwithstanding, anything in any other past or current agreements to the contrary, our advertising vendors represent that all means used to generate leads, including the serving/display of any advertisements, sending of mail, email, or telemarketing, are legal and do not violate the state or federal laws in the jurisdiction in which they are delivered. Our advertising vendors validate that all email is sent to 100% opt-in lists, and may be required to provide evidence of consumer opt-in if a complaint arises. Our advertising vendors bear full liability for damages awarded and the reimbursement of the Agency’s legal costs as a result of any legal action brought as a result of violation of any local, state, or federal laws regarding the method and manner of the delivery of the message by themselves and their affiliates. The Agency endeavors to abide by all local, state, and federal laws regarding the content and delivery of electronic advertisements displayed to customers. We do this through third party providers and their affiliates and do not directly supervise or control their ultimate compliance with these policies.