Terms of Service
Effective Date: September 8, 2026
Welcome to Buy Life Insurance Today, available at buylifeinsurancetoday.com. These Terms of Service govern your use of this Website and the services and information made available through it.
By accessing or using this Website, you agree to these Terms of Service.
1. Website Purpose
Buy Life Insurance Today provides general information about life insurance and allows individuals to request information or contact an independent insurance agent regarding their insurance needs.
Products and services discussed through this Website may include:
- Final expense life insurance
- Whole life insurance
- Term life insurance
The Website is not an insurance company and does not itself issue insurance policies.
2. Independent Insurance Agent
[LEGAL NAME] is an independent insurance agent licensed in Michigan.
As an independent agent, we may work with multiple insurance carriers and may present insurance products from carriers for which we are appropriately authorized or appointed.
The availability of particular products or carriers may change.
3. Requesting Information
You may submit your name, telephone number, email address, ZIP code, desired coverage amount, and other information through Website forms.
Submitting a form does not obligate you to purchase insurance.
A submitted form is a request for information or contact and is not an insurance application.
We may contact you by telephone or email to discuss your needs and answer questions.
4. Insurance Applications
If you decide to apply for insurance, additional information may be collected from you.
At your direction, we may assist you in completing an insurance application and submit your application to an insurance carrier for underwriting consideration.
Submitting an application does not guarantee that an insurance carrier will approve coverage.
The insurance carrier—not this Website—determines whether an applicant is eligible for coverage and the applicable policy terms, benefits, exclusions, and premiums.
5. No Guarantee of Coverage
Information presented on this Website is for general informational purposes.
Nothing on this Website constitutes a guarantee that you will qualify for life insurance, receive coverage, receive a particular premium, or receive a particular amount of coverage.
Insurance eligibility and pricing are subject to the underwriting guidelines and requirements of the applicable insurance carrier.
6. Quotes and Estimates
Any premium amount, quote, estimate, example, or illustration discussed through this Website is subject to applicable carrier underwriting, eligibility requirements, product availability, and policy terms.
A quote or estimate is not a binding insurance contract.
Actual premiums and policy terms may differ.
7. Accuracy of Information
We make reasonable efforts to provide useful and accurate information on the Website.
However, insurance products, carrier guidelines, rates, eligibility requirements, laws, regulations, and other information may change.
We do not guarantee that every statement on the Website is complete, current, or applicable to every individual.
8. No Professional or Legal Advice
Information on this Website is intended to provide general information about life insurance.
It is not intended to provide legal, tax, accounting, or financial-planning advice.
You should consult an appropriately qualified professional regarding legal, tax, accounting, or other matters outside the scope of insurance services.
9. Website Availability
We do not guarantee that the Website will always be available, uninterrupted, secure, or free of errors.
We may modify, suspend, or discontinue portions of the Website at any time.
10. Third-Party Services
The Website may use or integrate with third-party services, including CRM, scheduling, analytics, advertising, communications, hosting, and other technology providers.
We are not responsible for the availability, content, security, or policies of third-party services.
11. User Information
You agree to provide information that is accurate to the best of your knowledge when submitting a form or communicating with us.
You should not submit information belonging to another person without authorization.
12. Prohibited Uses
You may not use the Website to:
- Violate applicable laws or regulations
- Submit fraudulent or misleading information
- Attempt to interfere with the Website's operation
- Gain unauthorized access to the Website or its systems
- Use the Website for unlawful purposes
13. Intellectual Property
Unless otherwise stated, Website content, including text, graphics, logos, design, and other materials, is owned by or licensed to [LEGAL NAME] and may not be reproduced, modified, distributed, or used commercially without permission.
14. Limitation of Liability
To the extent permitted by applicable law, [LEGAL NAME] shall not be liable for losses arising from your use of or reliance upon general information provided through the Website.
Nothing in these Terms is intended to exclude or limit liability where doing so would be prohibited by law.
15. Governing Law
These Terms of Service shall be governed by the laws of the State of Michigan, without regard to conflict-of-law principles, except where applicable law requires otherwise.
16. Changes to These Terms
We may update these Terms of Service from time to time.
Updated Terms will be posted on this page with a revised Effective Date.
Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms to the extent permitted by law.
17. Contact Information
Questions regarding these Terms may be directed to:
KatinaStansberry
Buy Life Insurance Today
Email: kkstansberrylife@outlook.com
Phone: 586-563-0445
Michigan Insurance Producer License Number: 22328963