Terms of Use

These Terms of Use apply to goinsurewise.com, our forms and tools, and the calls, texts and emails we send. By using the site you agree to them. If you don't agree, please don't use the site.

Who we are

GoInsureWise LLC is an independent insurance agency, not an insurance company. Coverage is issued by the insurance carriers we represent, subject to their underwriting, policy terms and state availability. We offer products only in states where we and our agents are licensed.

No coverage until a policy is issued

Submitting a form, receiving a quote or talking with an agent does not create insurance coverage. Coverage starts only when a carrier approves your application, issues a policy and receives any required premium. Quotes are estimates until then.

Information and tools on this site

Our articles, comparisons and calculators (including the life insurance calculator) are for general education. They are reviewed by licensed agents but are not legal, tax, investment or medical advice, may not reflect every policy provision, and depend on the information you enter. Rules, dates, figures and prices can change; we cite official sources so you can confirm current amounts. A licensed agent can review your situation with you.

Your information

You agree to give accurate information and to submit only your own information, or information you're authorized to share. Our Privacy Policy explains how we handle it.

Calls, texts and email

If you submit a form and check the consent box, you agree to be contacted as described in that consent language and our Communications & Text Messaging Policy. Consent is not a condition of purchase, and you can opt out at any time.

Acceptable use

Don't misuse the site: no submitting false or someone else's information without permission, attempting to disrupt or gain unauthorized access, scraping or harvesting content with automated tools, or using the site for unlawful purposes.

Third-party links

We link to outside sources (such as Medicare.gov, HealthCare.gov and VA.gov) for your reference. We don't control those sites and aren't responsible for their content or practices.

Intellectual property

The site's content, design, owl logo and brand are owned by GoInsureWise LLC or its licensors and are protected by law. You may view and print pages for personal, non-commercial use.

Disclaimers

The site is provided "as is." To the extent allowed by law, we disclaim implied warranties, and we don't guarantee that the site will always be available or error-free.

Limitation of liability

To the extent allowed by law, GoInsureWise LLC is not liable for indirect, incidental, special or consequential damages arising from your use of the site. Nothing in these terms limits rights you have under insurance law or that can't be limited by law.

Dispute resolution, arbitration and class-action waiver

Please read this section carefully. It affects your legal rights, including your right to go to court and to bring a class action.

Try to resolve it with us first. Before starting a formal dispute, contact us at (801) 833-0416 or [email protected] and describe the issue. We'll try in good faith to resolve it within 60 days.

Binding individual arbitration. If we can't resolve it, you and GoInsureWise LLC agree that any dispute, claim or controversy arising out of or relating to these terms, the site, our forms or tools, or the calls, texts and emails we send you — including claims under the Telephone Consumer Protection Act and similar state laws — will be resolved by binding arbitration on an individual basis, administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration may be held by phone, by video, on written submissions, or in person in the county where you live. Fees are paid as the AAA Consumer Arbitration Rules provide. The Federal Arbitration Act governs this section.

Exceptions. Either of us may bring an individual claim in small-claims court instead, and either of us may go to court to stop infringement of intellectual property. Disputes about the terms of an insurance policy are governed by that policy and applicable insurance law, not this section.

Class-action and jury-trial waiver. You and we may bring claims only individually, not as a plaintiff or class member in any class, collective or representative proceeding, and the arbitrator may not combine claims or award relief to anyone other than the individual party. You and we waive any right to a jury trial. If this waiver is found unenforceable for a particular claim, that claim must be decided in court, not in class arbitration.

Opting out. You can opt out of this arbitration agreement within 30 days of first agreeing to these terms by emailing [email protected] with the subject line "Arbitration Opt-Out," including your name and the phone number and email you gave us. Opting out doesn't affect any other part of these terms.

Governing law

These terms are governed by the laws of the State of Utah and, for the arbitration section, the Federal Arbitration Act, without regard to conflict-of-law rules. Any matter that is not arbitrated will be heard in the state or federal courts located in Salt Lake County, Utah, unless the law where you live requires otherwise.

Changes

We may update these terms by posting a new version with a new "last updated" date. Continued use after an update means you accept it.

Contact

GoInsureWise LLC, 8751 S Sandy Parkway, Sandy, UT 84070 · (801) 833-0416 · [email protected]