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360 Life Coverage

Terms of Use

360lifecoverage.com Terms of Use

Last Revised: February 3, 2025

 

Welcome to 360 Life Coverage. These Terms of Use (“Terms”) govern your access to and use of 360lifecoverage.com (the “Website”). By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.

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1. Services Provided

360 Life Coverage provides users with information and tools to compare, apply for, and purchase Term Life Insurance policies from third-party insurance providers. We are not an insurance carrier and do not issue policies.

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2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding contract to use this Website.

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3. No Financial or Legal Advice

The content on this Website is for informational purposes only and does not constitute financial, legal, or insurance advice. You should consult with a licensed professional before making any insurance decisions.

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4. User Accounts & Information

  • To apply for insurance, you may need to create an account and provide accurate, complete, and up-to-date information.

  • You are responsible for maintaining the confidentiality of your login credentials.

  • Misrepresenting personal or medical information may result in denial of coverage or policy cancellation.

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5. Insurance Quotes & Policy Applications

  • Insurance quotes are based on the information you provide and are subject to change.

  • Final approval and pricing of policies are determined by the insurance provider.

  • We do not guarantee coverage or specific policy terms.

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6. Third-Party Providers & Links

  • We partner with third-party insurance carriers, and when you apply for a policy, you may be redirected to their websites.

  • We are not responsible for the policies, terms, or actions of third-party insurers.

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7. Payment & Refund Policy

  • Premium payments are processed through the respective insurance provider.

  • Refunds, cancellations, or changes to policies must be handled directly with the insurer.

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8. Privacy Policy

Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our Services, you also acknowledge that you have read our Privacy Policy available at our Privacy Policy.

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9. Prohibited Activities

​By using this Website, you agree NOT to:

  • Submit false or misleading insurance applications.

  • Use the Website for unlawful, fraudulent, or malicious activities.

  • Attempt to interfere with the Website’s security or functionality.

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10. Disclaimer of Warranties

  • We provide the Website and its content "as is" and without warranties of any kind, express or implied.

  • We do not guarantee that the Website will be error-free, secure, or uninterrupted.

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11. Limitation of Liability

To the fullest extent permitted by law, 360 Life Coverage shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Website or reliance on any information provided.

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12. Indemnification

You agree to indemnify and hold harmless 360 Life Coverage, its affiliates, employees, and partners from any claims, damages, or losses resulting from your use of the Website.

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13. Governing Law & Dispute Resolution

These Terms are governed by the laws of Minnesota, USA. Any disputes shall be resolved through binding arbitration in Minnesota.

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14. Changes to These Terms

We may update these Terms at any time. Changes will be posted on this page, and continued use of the Website constitutes acceptance of the revised Terms.

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15. Contact Information

For questions about these Terms, please contact us at:

📧kris@360lifecoverage.com
📞651-747-6660

 

Have any questions or suggestions? we’d love to hear them!

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