Last updated: [Month Day, Year]
These Web Terms of Service explain the rules that apply when you use the online services provided by First State Life, including quote requests, online forms, application support, document upload tools, customer service tools, account features, payment tools, and other digital services that link to these terms.
By using our online services, you agree to these Terms. If you do not agree, do not use the online services.
These Terms are not an insurance policy. Your actual rights and obligations under any life insurance policy are governed by the policy, application, riders, amendments, disclosures, notices, and applicable law.
1. Who May Use the Online Services
You may use our online services only if you:
- Are at least the age of majority in your state of residence.
- Are located in the United States.
- Can enter into a legally binding agreement.
- Use the services only for lawful, personal, family, household, or authorized business purposes.
- Provide accurate, current, and complete information.
We may limit, suspend, or terminate access to the online services if we believe the services are being misused, accessed without authorization, used for fraud, or used in violation of these Terms.
2. No Guarantee of Coverage
Information provided through our website or online services does not guarantee that coverage will be available, approved, issued, or continued.
Any quote, estimate, illustration, premium amount, product description, or coverage example is preliminary unless expressly stated otherwise. Final eligibility, rates, policy terms, underwriting class, and coverage approval may depend on application answers, underwriting review, medical information, financial information, insurer guidelines, state availability, and other factors.
No life insurance coverage is effective unless and until all required conditions are satisfied. These may include completion and approval of an application, payment of required premium, delivery or acceptance requirements, and issuance of a policy by the applicable insurer.
3. Not Financial, Tax, Legal, or Medical Advice
Our online services may provide educational information about life insurance and related topics. That information is general in nature and is not financial, tax, legal, investment, estate planning, or medical advice.
You should consult your own qualified professional for advice about your specific circumstances. You should not rely on website content alone to make financial, legal, tax, medical, or insurance decisions.
4. Your Information and Responsibilities
You agree to provide accurate, complete, and truthful information when using our online services. You are responsible for reviewing information before submitting it.
Incorrect, incomplete, or misleading information may affect your ability to obtain coverage, the terms of coverage, claims, policy benefits, or other rights. Insurance applications may require additional certifications, authorizations, disclosures, or acknowledgments.
You agree not to submit information about another person unless you have the legal authority or consent to do so.
5. Accounts, Passwords, and Security
If we provide account access or login features, you are responsible for keeping your username, password, verification codes, and account information confidential.
You are responsible for activity that occurs through your account, unless prohibited by law. Notify us immediately if you believe your account has been accessed without authorization or your login credentials have been compromised.
We may require additional verification before allowing access, processing requests, accepting changes, or disclosing information.
6. Electronic Communications and Documents
By using our online services, you agree that we may communicate with you electronically where permitted by law. Electronic communications may include emails, text messages, website notices, portal messages, electronic signatures, forms, authorizations, confirmations, disclosures, notices, and other records.
Some insurance transactions may require additional consent to electronic delivery. If a separate electronic delivery consent is presented, that consent will control for the covered transaction.
You are responsible for maintaining a valid email address, phone number, and other contact information.
7. Payments
If payment features are available, you agree to provide accurate payment information and authorize the applicable payment transaction. Payment processing may be handled by third-party payment providers.
Submitting payment information does not guarantee that coverage is in force. Coverage depends on the applicable policy terms, insurer rules, underwriting requirements, and payment acceptance.
We are not responsible for fees charged by your bank, card issuer, payment provider, or financial institution.
8. Service Availability
We work to keep our online services available and operating properly, but we do not guarantee uninterrupted, error-free, secure, or timely access.
Online services may be unavailable due to maintenance, updates, technical issues, outages, security concerns, internet failures, vendor issues, or other causes. We may modify, suspend, replace, or discontinue any online service at any time.
9. Prohibited Uses
You agree not to:
- Use the online services for unlawful, fraudulent, misleading, abusive, or unauthorized purposes.
- Interfere with or disrupt the website, systems, networks, security features, or user experience.
- Attempt to gain unauthorized access to accounts, data, systems, or services.
- Upload malware, harmful code, or material that could damage or interfere with systems.
- Use bots, scrapers, crawlers, automated tools, or data extraction methods without our written permission.
- Misrepresent your identity, authority, relationship, or eligibility.
- Submit false, inaccurate, incomplete, or misleading information.
- Use the services to infringe the rights of others.
- Copy, resell, exploit, or commercially use the online services without permission.
10. Third-Party Services
Our online services may involve third-party providers, including insurance carriers, underwriting vendors, payment processors, analytics providers, identity verification providers, document providers, communication providers, and hosting providers.
We are not responsible for third-party services except as required by law. Third-party services may be governed by their own terms and privacy policies.
11. Intellectual Property
The online services, website content, design, text, graphics, logos, icons, images, videos, software, forms, tools, and other materials are owned by or licensed to First State Life or its providers and are protected by copyright, trademark, and other laws.
You may use the online services for your personal, non-commercial use or other authorized use. You may not copy, modify, distribute, sell, reverse engineer, frame, scrape, or create derivative works from our content or services without our prior written permission.
12. Disclaimers
The online services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, completeness, reliability, availability, merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that the online services will be uninterrupted, secure, error-free, free of viruses, or that defects will be corrected.
Some jurisdictions do not allow certain disclaimers, so some of these disclaimers may not apply to you.
13. Limitation of Liability
To the fullest extent permitted by law, First State Life, its affiliates, officers, directors, employees, agents, representatives, licensors, vendors, and service providers will not be liable for indirect, incidental, consequential, special, exemplary, punitive, or similar damages arising from or related to your use of, or inability to use, the online services.
This limitation applies whether the claim is based on contract, tort, negligence, strict liability, warranty, statute, or any other legal theory, even if we have been advised of the possibility of damages.
Nothing in these Terms limits rights or remedies that cannot be limited under applicable law.
14. Indemnification
You agree to defend, indemnify, and hold harmless First State Life, its affiliates, officers, directors, employees, agents, representatives, vendors, and service providers from and against claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to your misuse of the online services, violation of these Terms, violation of law, or violation of another person’s rights.
15. Governing Law
These Terms are governed by the laws of the State of New Mexico, without regard to conflict of law principles, except where federal law or another state’s insurance law applies.
Insurance products, applications, policies, and claims may also be governed by the laws of the state where the policy is applied for, issued, delivered, or administered.
16. Dispute Resolution
Before filing a claim, you agree to contact us and try to resolve the issue informally. Contact us at email@firststatelife.com or [mailing address].
Any dispute related to an insurance policy, claim, application, or regulated insurance transaction will be handled according to the policy terms and applicable law.
For other disputes related to online services, the parties agree to resolve disputes in the state or federal courts located in Bernalillo, New Mexico USA, unless applicable law requires another forum.
17. Changes to These Terms
We may update these Terms from time to time. When we do, we will update the “Last updated” date above. Your continued use of the online services after changes are posted means you accept the updated Terms.
18. Contact Us
Questions about these Terms may be sent to:
[Company Name]
[Mailing Address]
Email: [legal email]
Phone: [phone number]