Terms & Conditions

By accessing this website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use this website.

You agree to use this website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website. Prohibited behavior includes harassment, causing distress or inconvenience to others, transmitting obscene or offensive content, or disrupting the normal flow of dialogue.

Information provided on this website is for general informational purposes only and does not constitute an offer, solicitation, or contract of insurance. A life insurance policy is only issued after an application is completed, underwriting is completed, and the insurer accepts the risk.

Any quote or estimate provided through this website is preliminary and based on the information you provide. Final premiums, coverage amounts, and eligibility are determined by the insurance carrier during the underwriting process and may differ from any initial estimate.

All content on this website, including text, graphics, logos, images, and software, is the property of Life Insurance for Credit Union Members or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

To the fullest extent permitted by law, Life Insurance for Credit Union Members and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the website or any information contained herein.

You agree to indemnify, defend, and hold harmless Life Insurance for Credit Union Members and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising out of your use of the website or violation of these Terms & Conditions.

These Terms & Conditions shall be governed by and construed in accordance with the laws of the United States and the state in which the applicable insurance policy or service is provided, without regard to conflict of law principles.

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting to this page. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.

If you have any questions about these Terms & Conditions, please contact us through the information provided on our website.