Terms of Use
Last Updated: August 18, 2026
Welcome to USA Life Insurance (“we,” “our,” or “us”). By accessing or using our website (the “Site”), you agree to comply with and be bound by the following Terms of Use. Please read these terms carefully before using the Site. If you do not agree to these terms, please do not use the Site.
1. Acceptance of Terms
By using this Site, you agree to these Terms of Use and our Privacy Policy. We reserve the right to update these terms at any time without prior notice. Your continued use of the Site constitutes acceptance of any changes.
2. Use of the Site
You agree to use the Site for lawful purposes only. You may not:
- Use the Site in any way that violates applicable federal, state, or local laws
- Transmit any harmful, offensive, or unlawful content
- Attempt to gain unauthorized access to any part of the Site
- Use the Site to distribute spam, viruses, or other malicious software
- Engage in any activity that disrupts or interferes with the Site’s operation
3. Insurance Quotes and Applications
The information provided on this Site is for educational and informational purposes only. It does not constitute an offer to sell insurance or a solicitation of an offer to buy insurance. Insurance quotes provided through the Site are estimates only and are not binding. Actual coverage, terms, and premiums are subject to carrier underwriting and approval.
Important: Any insurance quote or application submitted through this Site is not a binding contract. Coverage becomes effective only after the insurance carrier issues a policy and the premium is paid.
4. No Professional Advice
The content on this Site is for general informational purposes only and does not constitute financial, tax, legal, or investment advice. You should consult qualified professionals for advice specific to your situation. We do not provide fiduciary advice or recommendations.
5. Intellectual Property
All content on this Site, including text, graphics, logos, images, and software, is the property of USA Life Insurance or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written permission.
6. Third-Party Links
The Site may contain links to third-party websites. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content or practices of any third-party sites. Your use of third-party sites is at your own risk.
7. Disclaimer of Warranties
THIS SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, 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.
8. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, USA LIFE INSURANCE AND ITS OWNERS, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR ANY CONTENT CONTAINED THEREIN. THIS INCLUDES, BUT IS NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR DATA.
9. Indemnification
You agree to indemnify, defend, and hold harmless USA Life Insurance and its owners, agents, and affiliates from and against any claims, liabilities, damages, losses, or expenses arising from your use of the Site, your violation of these Terms of Use, or your violation of any rights of a third party.
10. Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law principles. Any legal action arising from these terms or your use of the Site shall be brought exclusively in the state or federal courts located in Maryland.
11. Termination
We reserve the right to terminate or suspend your access to the Site at any time, without prior notice, for any reason, including if we believe you have violated these Terms of Use.
12. Entire Agreement
These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and USA Life Insurance regarding your use of the Site and supersede all prior agreements and understandings.