Terms of Service

Agreement to Terms

By accessing or using our services, you agree to be bound by these Terms of Service. If you disagree with any part of the terms, you may not access our services.

Policy Terms

• All policies are subject to underwriting approval
• Coverage is only available to U.S. residents
• Policy benefits are guaranteed by the issuing insurance company
• Premium payments must be made in U.S. dollars
• 10-day access to cash value after underwriting approval

Eligibility Requirements

To be eligible for our services, you must:

• Be a U.S. resident
• Meet minimum age requirements (18-75 years)
• Provide accurate information during application
• Meet underwriting criteria
• Comply with all verification procedures

Policy Modifications

We reserve the right to modify these terms at any time. We will notify policyholders of any material changes. Continued use of our services after changes constitutes acceptance of new terms.

Termination

Policies may be terminated under the following conditions:

• Failure to pay premiums
• Material misrepresentation in application
• Violation of policy terms
• At policyholder's request

Disclaimer

Our services are provided "as is" without any warranties, expressed or implied. We do not guarantee approval of applications. All policies are backed by A.M. Best Rated Insurers.

Contact Information

For questions about these terms, please contact us at: estatechecklist@gmail.com