Terms and Conditions

Last updated: September 18, 2026 · Effective date: September 18, 2026

Template notice — read before publishing This page is drafted content, not legal advice, and not yet verified against your actual business. Before publishing: confirm the legal entity name, address, phone, and email below are correct; add your real insurance license and NPN details (left as "available on request" rather than a placeholder number — see note); and have a licensed insurance compliance attorney review it — particularly the arbitration/governing-law section and the insurance-specific disclaimers.

1. Acceptance of terms

By accessing or using insuristquote.com (the “Site”), you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree, please do not use the Site.

2. Who we are — and who we aren't

InsuristQuote is a marketing and lead-generation website operated by InsuristQuote LLC, a licensed insurance agency authorized to do business in the states where it operates. Current license and NPN details are available on request. We help you compare insurance options and connect with a licensed agent.

InsuristQuote is not an insurance company, is not the insurer, and does not underwrite, issue, or guarantee any insurance policy. Any policy you purchase is issued by a licensed third-party insurance carrier, subject to that carrier's underwriting, terms, and state availability.

3. Eligibility

You must be at least 18 years old and a legal resident of the United States to submit a request through this Site.

4. Use of the Site

You agree to use the Site only for lawful purposes and to provide accurate, current information when requesting a quote. You agree not to: (a) submit false or fraudulent information; (b) attempt to gain unauthorized access to the Site or its systems; (c) use automated means (bots, scrapers) to access the Site without our permission; or (d) interfere with the Site's normal operation.

5. No guarantee of coverage, rates, or eligibility

Any quote, estimate, or plan information shown or discussed through the Site is for informational purposes only and is not a binding offer of coverage. Actual eligibility, coverage terms, and final premiums are determined solely by the licensed insurance carrier through its underwriting process. We do not guarantee that you will qualify for any specific plan, rate, or coverage amount.

Medicare Advantage: We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048), available 24/7, for information on all of your options.

ACA / Affordable Care Act plans: Subsidy and tax-credit eligibility depends on your income, household size, and other factors determined by the applicable Health Insurance Marketplace, not by InsuristQuote.

Final Expense: Final expense (burial) insurance is a type of whole life insurance. Coverage, premiums, and issuance are subject to the insurer's underwriting guidelines; not all applicants will qualify for every advertised rate or plan.

Auto Insurance: Coverage, discounts, and rates vary by state, driving history, vehicle, and insurer, and are not guaranteed.

6. Not affiliated with any government agency

InsuristQuote is a private website and is not connected with or endorsed by the United States government, the federal Medicare program, the Health Insurance Marketplace®, or any state Marketplace or government agency.

7. Intellectual property

All text, graphics, logos, and other content on the Site are owned by or licensed to InsuristQuote LLC and are protected by copyright and trademark law. You may not copy, reproduce, or distribute Site content without our written permission.

8. Third-party links

The Site may link to third-party websites we don't control. We aren't responsible for the content, accuracy, or privacy practices of those sites.

9. Disclaimer of warranties

The Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.

10. Limitation of liability

To the fullest extent permitted by law, InsuristQuote LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, even if advised of the possibility of such damages. Our total liability for any claim arising from these Terms or the Site will not exceed one hundred U.S. dollars ($100).

11. Indemnification

You agree to indemnify and hold harmless InsuristQuote LLC and its agents, officers, and employees from any claim or demand arising out of your misuse of the Site or violation of these Terms.

12. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Before filing a claim, you agree to contact us so we can attempt to resolve the dispute informally. If a dispute isn't resolved within 30 days, you and InsuristQuote agree that it will be settled by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small claims court. Any arbitration will be conducted on an individual basis; class actions and class arbitrations are not permitted under these Terms.

13. Changes to these terms

We may revise these Terms from time to time. Continued use of the Site after changes are posted means you accept the revised Terms.

14. Contact us

InsuristQuote LLC
100 Insurance Way, Suite 200, Wilmington, DE 19801
Phone: 1-800-555-0134
Email: support@insuristquote.com