Welcome to One Life Protect. By using our website, submitting a form, requesting insurance information, or communicating with us, you agree to the following Terms & Conditions.

1. Use of Our Website

You agree to use this website only for lawful purposes. You may not use our website to submit false information, interfere with site operation, or attempt to gain unauthorized access to any part of our systems.

2. Insurance Information

Information provided on this website is for general informational purposes only and should not be considered legal, financial, tax, or insurance advice. Insurance products, availability, premiums, underwriting, and approvals vary by carrier, state, age, health, and other factors.

3. No Guarantee of Coverage

Submitting your information does not guarantee that you will qualify for insurance coverage. Any policy approval, final premium, coverage amount, or benefit is determined by the insurance carrier and subject to underwriting guidelines.

4. Quotes and Pricing

Any quote, estimate, or price shown is not final unless confirmed by the insurance carrier. Rates may change based on application answers, medical history, prescription history, underwriting review, state availability, and carrier rules.

5. Accuracy of Information

You agree that all information you submit is accurate, complete, and truthful. Incorrect or incomplete information may result in delays, denial of coverage, policy cancellation, or changes to quoted premiums.

6. Consent to Contact

By submitting your information through our website, you authorize One Life Protect to contact you by phone, text message, and email regarding insurance products and services. This may include the use of automated technology or prerecorded messages. Consent is not required to purchase.

7. Third-Party Carriers and Services

One Life Protect may work with licensed insurance carriers, agencies, technology providers, and service providers to help process requests and provide insurance options. Third-party companies may have their own terms, conditions, underwriting rules, and privacy practices.

8. Website Availability

We strive to keep our website available and accurate, but we do not guarantee that the website will always be error-free, uninterrupted, secure, or current.

9. Limitation of Liability

One Life Protect is not responsible for losses, damages, missed opportunities, denied applications, premium changes, carrier decisions, or any outcome resulting from your use of this website or insurance application process.

10. Privacy

Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

11. Changes to These Terms

We may update these Terms & Conditions at any time. Any changes will be posted on this page with an updated “Last Updated” date.