Terms of Use
Last Updated: April 17, 2026
Welcome to DirectLifeQuote.com (the “Site”), operated by DirectLifeQuote.com (“we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of the Site and the services we provide, including our life insurance quote request and lead matching services. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.
1. Description of Services
DirectLifeQuote.com is a lead generation service that connects consumers seeking life insurance with licensed insurance agents and agencies. We are not an insurance company, insurance carrier, or insurance agency. We do not sell, bind, or underwrite insurance policies.
When you submit a quote request through our Site, your information is shared with one or more licensed insurance agents or agencies who may contact you with quotes from carriers such as Mutual of Omaha, Prudential, Pacific Life, Nationwide, Lincoln Financial, and others. The availability of any particular carrier or product depends on your state of residence, health profile, and the agent’s carrier appointments.
2. Eligibility
You must be at least 18 years of age and a resident of the United States to use this Site and submit a quote request. By using the Site, you represent that you meet these requirements.
3. No Insurance Advice or Guarantee
The information provided on this Site is for general informational purposes only and does not constitute insurance advice, financial advice, or a recommendation to purchase any specific insurance product. Any rate estimates, coverage amounts, or premium illustrations shown on the Site are estimates for illustrative purposes only and are not guaranteed quotes or offers of insurance.
Your actual premium will depend on your individual health profile, medical history, lifestyle factors, coverage amount, policy type, and the underwriting criteria of the issuing insurance carrier. We strongly encourage you to consult with a licensed insurance agent to discuss your specific needs.
4. Consent to Be Contacted
By submitting your information through our quote request form and clicking “Get My Free Quote,” you provide your express written consent to be contacted by DirectLifeQuote.com, our affiliated licensed insurance agents, and our marketing partners regarding life insurance products and related services via:
- Telephone calls, including calls made using an automatic telephone dialing system or prerecorded/artificial voice messages
- Text messages (SMS/MMS) to the mobile number provided
- Email to the address provided
You understand that this consent is not a condition of purchasing any insurance product or service. You may revoke your consent at any time by emailing support@directlifequote.com or replying STOP to any text message. Standard message and data rates may apply.
5. Accuracy of Information
You agree to provide accurate, current, and complete information when submitting a quote request. Providing false or misleading information may result in inaccurate quotes, denial of coverage, or policy rescission by the issuing carrier. We are not responsible for any consequences arising from inaccurate information you provide.
6. Lead Distribution and Third-Party Sharing
You acknowledge and agree that by submitting a quote request, your personal information—including name, phone number, email, date of birth, and health-related information—will be shared with one or more licensed insurance agents, agencies, or insurance marketing organizations for the purpose of fulfilling your request. These third parties are independent entities, and their use of your information is governed by their own privacy policies and practices.
We make reasonable efforts to work only with licensed, reputable insurance professionals, but we do not guarantee the quality, accuracy, or suitability of any quote, advice, or service provided by third-party agents or agencies.
7. Intellectual Property
All content on the Site—including text, graphics, logos, icons, images, and software—is the property of DirectLifeQuote.com or its licensors and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our prior written consent.
Third-party trademarks, including insurance carrier names and logos displayed on the Site, are the property of their respective owners and are used for identification purposes only. Their use does not imply endorsement, affiliation, or sponsorship.
8. Prohibited Uses
You agree not to:
- Use the Site for any unlawful purpose or in violation of any applicable laws
- Submit false, fraudulent, or misleading information
- Use automated tools (bots, scrapers, etc.) to access the Site or extract data
- Attempt to interfere with, disrupt, or compromise the Site’s security or functionality
- Use the Site to harvest personal information of other users
- Impersonate any person or entity, or misrepresent your affiliation with any person or entity
9. Disclaimer of Warranties
THE SITE AND ALL CONTENT AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY RATE ESTIMATES, COVERAGE INFORMATION, OR OTHER CONTENT ON THE SITE.
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, DIRECTLIFEQUOTE.COM AND ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, OR DAMAGES RESULTING FROM ANY INSURANCE PRODUCT PURCHASED THROUGH AN AGENT CONNECTED VIA OUR SERVICE.
OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).
11. Indemnification
You agree to indemnify, defend, and hold harmless DirectLifeQuote.com and its owners, officers, employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
12. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Los Angeles County, California.
13. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be posted on this page with a revised “Last Updated” date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
14. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
15. Contact Us
If you have questions about these Terms, contact us at:
DirectLifeQuote.com
Email: support@directlifequote.com
Phone: (800) 555-1234