Terms of Service

1. Acceptance of Terms

By accessing and using the Mortgage Protection Line website and services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

Mortgage Protection Line provides life insurance advisory services and connects consumers with licensed insurance carriers. We help customers find mortgage protection and life insurance coverage that meets their needs. We are not an insurance carrier ourselves but work with reputable insurance providers.

3. Not an Offer of Insurance

The information provided on this website does not constitute an offer of insurance. All insurance applications are subject to underwriting and approval by the insurance carrier. Coverage options, availability, and pricing vary by state, age, health status, and other factors.

4. Accuracy of Information

You agree to provide accurate, current, and complete information when requesting insurance quotes or applying for coverage. Providing false or misleading information may result in denial of coverage or cancellation of a policy, and may constitute insurance fraud.

5. Licensing and Compliance

Our insurance advisors are licensed professionals who comply with all applicable state and federal regulations. Insurance products and services are offered through properly licensed entities in accordance with state insurance laws.

6. User Conduct

You agree not to:

• Use our services for any unlawful purpose
• Provide false or misleading information
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the operation of our website or services
• Use automated systems to access our services without permission

7. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. We collect and use personal information as described in our Privacy Policy, including sensitive health and financial information necessary for insurance underwriting.

8. Communications

By providing your contact information, you consent to receive communications from us and our partner insurance carriers via phone, email, or text message regarding your insurance inquiry and related services. Standard message and data rates may apply.

9. No Medical Advice

Our services do not constitute medical advice. Any health-related questions or assessments are solely for insurance underwriting purposes. You should consult with qualified healthcare professionals for medical advice.

10. Disclaimers

Our services are provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including:

• Warranties of merchantability or fitness for a purpose
• Guarantees of insurance approval or specific coverage terms
• Accuracy or completeness of information provided

11. Limitation of Liability

To the maximum extent permitted by law, Mortgage Protection Line shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the amount of fees you paid to us, if any.

12. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party sites.

13. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes constitutes acceptance of the modified terms.

14. Governing Law

These Terms of Service are governed by the laws of the United States and the state in which our principal office is located, without regard to conflict of law principles.

15. Dispute Resolution

Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

16. Contact Information

If you have questions about these Terms of Service, please contact us: