Terms & Conditions

1. About These Terms

These Terms & Conditions apply to your use of hellolifeins.com. References to “Hello Life,” “we,” “us,” or “our” mean Hello Life Insurance Solutions.

By using this website, you agree to these terms to the extent permitted by applicable law. If you do not agree, please discontinue use of the website. These website terms do not replace or modify an insurance policy, application, or separate agreement that applies to a product or service.

2. Website Information

This website provides general information about life insurance options and ways to request assistance. Its content is for informational and educational purposes and is not a binding insurance offer or a guarantee of coverage.

Information on this website is not legal, tax, or investment advice. Consult an appropriately qualified professional for advice about your individual circumstances.

3. Insurance Availability and Eligibility

Insurance products, benefits, premiums, and eligibility requirements vary by state, insurer, and policy. Not every product described on this website is available to every applicant.

Eligibility and pricing may depend on factors such as age, health history, coverage amount, underwriting requirements, and other criteria established by the insurer.

Policy documents govern coverage, exclusions, limitations, waiting periods, guarantees, and benefits. If website content differs from an issued policy, the policy documents control. Any guarantees are subject to the policy’s conditions and the issuing insurer’s claims-paying ability.

4. Quotes, Applications, and Consultations

A quote or estimate is preliminary unless expressly stated otherwise in an applicable written agreement. Final premiums and coverage terms are determined by the insurer following its review.

• Requesting information or a quote does not obligate you to purchase insurance.
• Submitting a request does not guarantee approval, a particular premium, or a specific benefit.
• Scheduling or attending a consultation does not activate coverage.
• Coverage begins only when the applicable insurer’s requirements have been satisfied and the policy or any valid temporary coverage agreement takes effect.

5. Information You Provide

When submitting an inquiry, quote request, or appointment request, provide information that is accurate and that you are authorized to share. Let us know if relevant contact information changes.

Do not submit another person’s information without appropriate authorization. Avoid sending Social Security numbers, payment details, or detailed medical records through general website message fields or ordinary email. Ask us about an appropriate submission method when sensitive information is needed.

6. Calls, Emails, and Text Messages

When you request assistance, we may respond using the contact details you provide, consistent with your request, your communication choices, and applicable law.

Using this website or accepting these terms alone does not provide consent to receive automated marketing calls or marketing text messages. Where consent is required, it must be obtained separately through the applicable consent process.

Text messaging

If you opt in to text messages from Hello Life Insurance Solutions, messages may include responses to inquiries, quote-request follow-ups, appointment confirmations, reminders, and updates about your request. Marketing messages may be sent only where you have provided the applicable consent.

• Message frequency varies according to your requests, appointments, and the messaging program you join.
• Message and data rates may apply according to your wireless plan.
• Consent to marketing calls or text messages is not a condition of purchasing insurance.
• Reply STOP to a text message to opt out. You may also contact us using the phone number or email below to withdraw consent or update your communication preferences.
• Reply HELP for assistance, or contact [email protected] or +1 402-650-1250.
• After opting out, you may receive a one-time message confirming your request, where permitted by law.
• Text delivery depends on wireless networks and other factors outside our control. Delivery and timing cannot be guaranteed.

Opting out of marketing messages does not cancel an insurance policy or an existing appointment. Please contact us separately if you need help with either.

7. Privacy

Please review our Privacy Policy for information about how personal information is collected, used, and handled in connection with this website and our communications.

8. Acceptable Use

You may use this website for lawful purposes. You must not:

• Submit fraudulent requests, impersonate another person, or provide deliberately misleading information.
• Attempt to gain unauthorized access to the website, its systems, or another person’s information.
• Introduce malicious code, interfere with website operations, or bypass security controls.
• Use the website to send spam or collect personal information without authorization.
• Copy or use protected website materials in a way that infringes another party’s rights.

9. Website Content and Intellectual Property

Website text, branding, graphics, and other materials may be protected by intellectual property laws and belong to their respective owners or licensors.

You may view and print website information for personal, noncommercial use. Other uses require the appropriate permission unless permitted by applicable law.

10. Third-Party Links and Services

This website may link to or use services provided by third parties, such as scheduling tools, insurance carriers, or social media platforms. Those services may have their own terms and privacy policies.

We do not control third-party websites or guarantee their content, availability, or security. Review the applicable terms before providing information or using their services.

11. Website Availability and Limitations

We aim to keep website information useful and accurate, but content may contain errors or become outdated. We may correct, update, or remove content when appropriate. Uninterrupted or error-free website access is not guaranteed.

To the extent permitted by applicable law, the website is provided on an “as available” basis without warranties concerning its uninterrupted availability or suitability for a particular purpose.

Nothing in these terms excludes liability, limits your rights, or removes protections that cannot lawfully be excluded or limited. These website limitations do not alter obligations under an issued insurance policy.

12. Updates to These Terms

We may update these terms to reflect changes to the website, services, or applicable requirements. Revised terms will be posted on this page, with additional notice provided where required by law.

Changes to these website terms do not by themselves change an existing insurance policy or expand your consent to receive marketing communications.