1. About Senior Coverage
Senior Coverage ("Company," "we," "us," or "our") is an independent insurance marketing organization (IMO) that connects consumers with licensed insurance agents and carriers. We are not an insurance carrier and do not underwrite insurance policies.
Senior Coverage is not affiliated with, endorsed by, or connected to Medicare, Medicaid, the Social Security Administration, or any other government agency or program.
2. Nature of Services
Our website and toll-free phone line are designed to connect you with licensed insurance professionals who can discuss final expense, burial, and life insurance options. We provide a referral and lead generation service.
- We do not sell insurance directly
- We are compensated by insurance carriers and agents for referrals
- Any quotes provided are estimates only and are not binding offers of insurance
- Actual rates and coverage are determined by the underwriting carrier
- Not all products or rates mentioned are available in all states
3. Consent to Contact
4. No Insurance Advice
The content on this website is for general informational purposes only and does not constitute professional insurance, legal, financial, or tax advice. You should consult with a licensed professional before making any insurance purchasing decisions.
Insurance needs vary by individual. Rates, terms, and availability referenced on this site are illustrative examples and may not reflect your specific situation.
5. Accuracy of Information
We strive to keep information on this website accurate and current; however, we make no warranties, expressed or implied, regarding the completeness, accuracy, reliability, or suitability of the information presented. Rate examples (such as "$1/day") are illustrative and based on specific age and health profiles; your actual rate may differ.
6. Third-Party Links and Partners
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of any third-party sites. When you click a third-party link, you leave our site and are subject to that party's terms and policies.
Licensed insurance agents who receive your information from us operate independently. Senior Coverage is not responsible for representations, commitments, or conduct of any independent agent.
7. Intellectual Property
All content on this website — including text, graphics, logos, and design — is the property of Senior Coverage or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or use any content without our prior written permission.
8. Disclaimer of Warranties
THIS WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. SENIOR COVERAGE DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
9. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, SENIOR COVERAGE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THIS WEBSITE OR OUR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED $100.
10. Indemnification
You agree to indemnify and hold harmless Senior Coverage, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of your use of our website or violation of these Terms.
11. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law provisions. Any disputes shall be resolved in the state or federal courts located in [Your County], [Your State].
12. Changes to Terms
We reserve the right to modify these Terms at any time. Changes take effect immediately upon posting to this page. Your continued use of our website after changes are posted constitutes your acceptance of the revised Terms.
13. Contact Information
For questions about these Terms, contact us at:
- Phone: 1-800-555-0100
- Mail: Senior Coverage, Legal Department, [Your Address], [City, State ZIP]
- Email: [email protected]