Terms and Conditions
for LIFE180 Life Insurance
Welcome to LIFE180 Life Insurance ("LIFE180", "we", "us", "our"). These Terms and Conditions form a legally binding agreement between LIFE180 and you, the policyholder, regarding the provision of life insurance services. By applying for, purchasing, or using any life insurance product offered by LIFE180, you agree to these Terms and Conditions.
1. Acceptance of Terms
By engaging with LIFE180 for life insurance services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions, including any additional terms and policies referenced herein and/or available by hyperlink.
2. Eligibility
To be eligible for a life insurance policy with LIFE180, you must be at least 18 years of age and meet other criteria as determined by our underwriting guidelines. LIFE180 reserves the right to refuse service, terminate policies, or refuse claims at our sole discretion, subject to applicable law.
3. Policy Coverage
Specific details of your life insurance coverage, including benefit amounts, premiums, payment schedules, and exclusions, will be outlined in your individual policy agreement. It is your responsibility to review your policy documents thoroughly to understand your coverage.
4. Premium Payments
Policyholders are required to pay premiums on time as specified in their policy agreement. Failure to make timely payments may result in policy cancellation or lapse. LIFE180 reserves the right to change premium rates or terms upon providing notice to you.
5. Changes to Your Policy
Any requests to change or modify your policy must be made in writing and submitted to LIFE180. Approval of such requests is subject to underwriting review and may result in changes to your premiums or coverage.
6. Claims
In the event of a claim, the policyholder or beneficiary must notify LIFE180 promptly and provide all necessary documentation as requested. Claims will be processed in accordance with the terms of your policy and applicable law.
7. Cancellation
You may cancel your policy at any time by providing written notice to LIFE180. Refunds, if applicable, will be processed according to the terms of your policy agreement.
8. Privacy Policy
Your privacy is important to us. LIFE180's Privacy Policy, available on our website, describes how we collect, use, and protect your personal information.
9. Limitation of Liability
LIFE180 shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the services.
10. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the state of Pennsylvania, without regard to its conflict of law provisions.
11. Amendments
LIFE180 reserves the right to amend these Terms and Conditions at any time. All amendments will be effective immediately upon posting to our website. Your continued use of our services following the posting of revised Terms and Conditions means that you accept and agree to the changes.
12. Contact Information
For any questions or concerns regarding your policy or these Terms and Conditions, please contact LIFE180 at:
Email: opperations@life180.com
Phone: +1 877-754-7852
Address: 1130 Rapps Dam Rd, Phoenixville, PA 19460
13. Acknowledgment
By using LIFE180's services, you acknowledge that you have read these Terms and Conditions and agree to be bound by them.
Disclaimer: This document is a template for Terms and Conditions for a life insurance company and should be customized to fit the specific legal requirements and operational procedures of LIFE180. It is strongly recommended to consult with legal professionals to ensure compliance with all applicable laws and regulations.