Terms of Service

Effective Date: 01/01/2026
Website: usalifeplans.com

Welcome to USA Life Plans. These Terms of Service (“Terms”) govern your access to and use of our website, services, forms, communications, and any related content provided by USA Life Plans (“USA Life Plans,” “we,” “our,” or “us”).

By using this website, submitting information through our forms, requesting insurance information, or communicating with us, you agree to these Terms. If you do not agree, please do not use this website or submit your information.

1. About USA Life Plans

USA Life Plans provides information and assistance related to life insurance products, including final expense insurance and related insurance options. We may connect consumers with licensed insurance agents or representatives who can provide information about available insurance products.

Use of this website does not guarantee approval for any insurance product, policy, premium, benefit amount, or coverage. Insurance availability, eligibility, underwriting, policy terms, and pricing may vary by carrier, state, age, health, and other factors.

2. No Professional, Legal, Tax, or Financial Advice

The content on this website is provided for general informational and marketing purposes only. Nothing on this website should be considered legal, tax, financial, medical, or professional advice.

Insurance products should be reviewed carefully before purchase. You should consult with a licensed insurance professional and review all policy documents, disclosures, exclusions, limitations, and conditions before making any insurance decision.

3. Eligibility to Use This Website

By using this website, you represent that you are at least 18 years old and legally able to enter into these Terms. You agree not to use this website for any unlawful, fraudulent, abusive, or unauthorized purpose.

4. Information You Provide

When you submit information through our website, forms, calls, text messages, or other communications, you agree that the information you provide is accurate, current, and complete to the best of your knowledge.

You are responsible for ensuring that any contact information you provide, including your phone number and email address, is accurate and belongs to you. You agree not to submit information on behalf of another person without their permission.

5. Consent to Be Contacted

By submitting your contact information through this website or otherwise requesting information from USA Life Plans, you authorize USA Life Plans and its representatives, licensed agents, service providers, and partners, where permitted by law, to contact you regarding insurance products and services.

Contact may be made by phone, text message, email, voicemail, or other communication methods, including automated technology, prerecorded messages, artificial voice messages, or autodialed calls or texts where permitted by law.

Your consent to be contacted is not a condition of purchasing any goods or services. You may opt out of communications as described in these Terms or as provided in any specific communication.

6. SMS Terms of Service

When you opt in to the service, we will send you a message to confirm your signup. By opting into this service, you can expect to receive SMS and automated text messages and/or calls from USA Life Plans.

Message and data rates may apply. Message frequency varies. Text “HELP” for help. Text “STOP” to cancel.

Carriers are not liable for delayed or undelivered messages.

If you have any questions regarding privacy, please read our Privacy Policy at:

www.usalifeplans.com/privacy-policy

7. SMS Privacy Policy

We do not share consumer opt-in consent with any third parties. Mobile data consent will not be shared with any third parties through this SMS channel.

Mobile information and text messaging opt-in data and consent will not be sold, rented, shared, or disclosed to third parties or affiliates for their marketing or promotional purposes.

We may use your mobile information to send you messages you requested or consented to receive, respond to your inquiries, provide customer support, confirm opt-ins or opt-outs, and comply with legal or regulatory obligations.

8. Opt-Out Instructions

You may opt out of SMS messages at any time by replying “STOP” to a text message from us. After you send “STOP,” you may receive a one-time confirmation message confirming that you have been unsubscribed.

You may also contact us directly to request that we stop contacting you. We will honor valid opt-out requests as required by applicable law.

For help with SMS messages, reply “HELP” or contact us using the information listed in the “Contact Us” section below.

9. Insurance Information and Availability

Any insurance products, benefit amounts, premium examples, or plan descriptions shown on this website are for general informational purposes only and may not be available in all states or to all individuals.

Actual eligibility, coverage, premiums, benefits, exclusions, limitations, waiting periods, and policy terms are determined by the applicable insurance carrier and policy documents. In the event of a conflict between website content and an insurance policy, the policy terms control.

Submitting a form or speaking with a representative does not guarantee coverage, approval, or a specific premium.

10. Third-Party Insurance Carriers and Services

USA Life Plans may provide information about insurance products offered by third-party insurance carriers. We are not responsible for the actions, omissions, underwriting decisions, pricing decisions, claims decisions, or policy administration of any insurance carrier.

This website may also include links to third-party websites or services. We are not responsible for the content, privacy practices, terms, or security of any third-party website.

11. Website Content

All content on this website, including text, graphics, logos, designs, images, videos, forms, and other materials, is owned by or licensed to USA Life Plans unless otherwise stated.

You may not copy, reproduce, modify, distribute, display, publish, sell, or use any website content for commercial purposes without our prior written permission.

12. Acceptable Use

You agree not to:

  • Use this website for any unlawful, fraudulent, misleading, or harmful purpose;

  • Submit false, inaccurate, or unauthorized information;

  • Attempt to interfere with the website’s security or functionality;

  • Use automated tools to scrape, copy, or collect content or data from the website;

  • Impersonate another person or entity;

  • Upload or transmit viruses, malware, or harmful code;

  • Violate any applicable law, regulation, or third-party rights.

We reserve the right to restrict, suspend, or terminate access to the website if we believe these Terms have been violated.

13. No Guarantee of Website Availability

We may modify, update, suspend, or discontinue this website or any part of it at any time without notice. We do not guarantee that the website will be available, uninterrupted, secure, or error-free.

14. Disclaimer of Warranties

This website and all content, information, and services are provided “as is” and “as available” without warranties of any kind, either express or implied.

To the fullest extent permitted by law, USA Life Plans disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and reliability.

15. Limitation of Liability

To the fullest extent permitted by law, USA Life Plans and its owners, officers, employees, agents, representatives, contractors, affiliates, and service providers will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising out of or related to your use of this website or services.

This includes, without limitation, damages for lost profits, lost data, loss of goodwill, business interruption, or reliance on website information.

Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

16. Indemnification

You agree to defend, indemnify, and hold harmless USA Life Plans and its owners, officers, employees, agents, representatives, contractors, affiliates, and service providers from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorney’s fees, arising from your use of the website, your violation of these Terms, your violation of any law, or your submission of false or unauthorized information.

17. Privacy Policy

Your use of this website is also governed by our Privacy Policy, available at:

www.usalifeplans.com/privacy-policy

Please review the Privacy Policy to understand how we collect, use, and protect information.

18. Changes to These Terms

We may update or revise these Terms at any time. When we do, we may update the effective date above. Your continued use of the website after changes are posted means you accept the revised Terms.

19. Governing Law

These Terms are governed by the laws of the state in which USA Life Plans operates, without regard to conflict of law principles, unless otherwise required by applicable law.

20. Contact Us

If you have questions about these Terms, SMS messages, privacy, or our services, please contact us at:

USA Life Plans
Website: www.usalifeplans.com