Website Terms

Estimates, applications, and coverage

A displayed estimate is illustrative and is not an insurance offer, underwriting decision, binder, or policy. Eligibility, final premium, available products, medical requirements, exclusions, and effective dates depend on the insurer and applicable law. Coverage exists only when confirmed by the issuing insurer under the policy’s terms.

Submitting information or making a payment does not by itself establish insurance coverage. Review all carrier documents and payment terms before authorizing a transaction. Cancellation rights, any free-look period, refunds, and billing obligations follow the applicable policy, payment agreement, and law; these website terms do not reduce those rights.

Insurance activity must be conducted through a properly licensed and authorized entity in the relevant state. A website’s availability in a state does not establish that a particular product or producer is authorized there.

We are not an insurance company. We do not issue policies, underwrite risk, or pay claims. A policy applied for through this website is issued by the insurer named on it, and that insurer alone is responsible for its obligations. The insurers referenced on these websites are separate, independent companies.

Provisions your policy will contain

These apply to the issued policy rather than to this website, and are summarised here so they are not a surprise. The policy document controls, and terms vary by insurer, product, and state.

• Free look. After delivery you have a limited period, commonly at least ten days and longer in some states and for some ages, to cancel for a full refund of premium paid. The exact period is stated on your policy.
• Contestability. For a limited period after issue, commonly two years, the insurer may investigate and contest a claim, or rescind the policy, based on a material misstatement in the application.
• Suicide provision. Most policies limit the death benefit to a return of premium if death is by suicide within a stated period after issue, commonly two years.
• Insurable interest. A policy may only be taken out where the owner has a legitimate interest in the insured person continuing to live. Applying with the intent of transferring the policy to an investor is not permitted and may void coverage.
• Rating factors. Premium depends on factors including age, sex at birth where the insurer is permitted to use it, tobacco use, health history, and the coverage and term selected.

Answer every application question truthfully and completely, including questions about health, tobacco use, occupation, and other insurance. An inaccurate or incomplete answer can result in a declined claim or a rescinded policy, which is the most common way a family loses the protection they paid for.

Your authorisations

By submitting an application you authorise us and the insurer to collect, use, and share the information reasonably needed to evaluate and service it, in line with the Privacy Notice and the specific authorisations presented during the application. Where a producer is designated as agent of record for your policy, you acknowledge that the producer and the agency may receive compensation from the insurer in connection with it, and you may ask us what that compensation is.

We are required to maintain controls against money laundering and to verify identity. We may decline or discontinue a request, or be required to report it, where those obligations apply.

Direct 130 contracting

Direct 130’s promise is 130% comp, always. The stated product lineup is term life, indexed universal life (IUL), and final expense. The percentage is not a guarantee of sales, earnings, or a carrier appointment. Payment timing, advances, chargebacks, renewals, premium bases, and other compensation mechanics belong in your written agreement.

Application approval and carrier appointment are separate events. Do not represent that a carrier has appointed you until it has confirmed the appointment. Recruiting is not required by the Direct 130 offering.

Approved agents are provisioned an account on the InsuraCentral customer-relationship management platform as part of contracting, at no separate charge. Access is provided for the period you are contracted with Direct 130 and ends when that contract ends, including on release, termination, or non-renewal. Access may also be suspended to investigate abuse, protect information, or comply with law. The platform is supplied under its own terms and privacy notice, which apply to your use of it. Export any records you need to retain before your access ends; a client record kept only in that platform is not a substitute for the file your own licensing and carrier obligations require you to hold.