Last Updated: July 23, 2026

These Terms of Use ("Terms") govern your access to and use of lifecoveragehq.com and services provided by Takeover Leads LLC, operating under the assumed name Life Coverage HQ ("Life Coverage HQ," "we," "us," or "our"). By accessing the website, submitting a form, or using our services, you agree to these Terms. If you do not agree, do not use the website.

1. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement. You may provide a telephone number or other information only if you are authorized to do so.

2. Our Service

Life Coverage HQ is a lead-generation and referral service. We provide a website through which consumers may request life insurance information and be connected with licensed insurance agents or agencies. Life Coverage HQ is not an insurance company, insurance carrier, or insurance agency. We do not underwrite, issue, bind, approve, deny, or guarantee insurance coverage. We do not make final eligibility, underwriting, pricing, or coverage decisions.

3. No Guarantee of Coverage, Price, or Savings

Submitting a request does not guarantee that coverage will be offered, that any specific product will be available, or that you will receive a particular rate, premium, benefit, or savings amount. Insurance availability and pricing depend on factors including age, health, tobacco use, state, underwriting, carrier rules, product availability, and other information. Any insurance quote or product information is provided by a licensed insurance professional or insurance carrier, not by Life Coverage HQ.

4. Information You Provide

You agree to provide accurate, current, and complete information. You may not impersonate another person, submit another person's contact information without authorization, enter false information, interfere with the website, or use the website for unlawful, fraudulent, or abusive purposes.

5. Communications Consent

If you affirmatively provide communications consent through the website, the consent shown at the time of submission governs calls, text messages, and emails. Our SMS Terms provide additional details about our text-message program, and the Privacy Policy explains how personal information is handled. You may revoke communications consent at any time through the methods described in the consent, the SMS Terms, and the Privacy Policy. Consent to receive marketing calls or texts is not required as a condition of purchasing property, goods, or services.

6. Licensed Insurance Partners

The licensed insurance agents and agencies that may receive and respond to requests are identified on the Marketing Partners page. Partners are independent parties responsible for their own licensing, recommendations, communications, disclosures, and insurance activities. Life Coverage HQ does not guarantee the conduct, availability, advice, products, or services of a partner. You are responsible for deciding whether to work with a particular agent, agency, or carrier.

7. Educational Content Only

Website articles, FAQs, examples, and general explanations are for informational purposes only. They are not legal, tax, financial, medical, or insurance advice and are not a recommendation of a specific policy, carrier, coverage amount, or strategy. Consult qualified professionals regarding your circumstances.

8. Intellectual Property

The website, branding, design, text, graphics, software, and other content owned by Life Coverage HQ are protected by applicable intellectual-property laws. You may use the website only for personal, noncommercial purposes. You may not reproduce, distribute, modify, scrape, reverse engineer, republish, or commercially exploit our content without written permission.

9. Third-Party Links and Services

The website may link to third-party websites or use third-party services. We do not control and are not responsible for third-party content, security, availability, or privacy practices. A link does not necessarily imply endorsement.

10. Prohibited Conduct

You may not:

- Use automated means to scrape, harvest, or submit data;

- Introduce malware or interfere with website operation;

- Attempt unauthorized access to systems or data;

- Use the website to violate privacy, telemarketing, intellectual-property, or other laws;

- Submit fictitious, duplicate, or unauthorized requests; or

- Misrepresent your identity or authority.

11. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." LIFE COVERAGE HQ DISCLAIMS WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND SECURITY. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS, SO SOME OF THESE DISCLAIMERS MAY NOT APPLY TO YOU.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TAKEOVER LEADS LLC AND ITS MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, LOST PROFITS, LOST DATA, OR LOSS ARISING FROM THIRD-PARTY INSURANCE PRODUCTS OR SERVICES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING OUT OF THE WEBSITE OR SERVICES WILL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID DIRECTLY TO LIFE COVERAGE HQ FOR THE SERVICE GIVING RISE TO THE CLAIM. NOTHING IN THESE TERMS EXCLUDES LIABILITY THAT CANNOT LEGALLY BE LIMITED.

13. Indemnification

You agree to indemnify and hold harmless Takeover Leads LLC and its affiliates, members, managers, employees, and contractors from claims, losses, liabilities, and expenses arising from your unlawful use of the website, your violation of these Terms, or information you submit without authorization. This provision does not apply where prohibited by law.

14. Governing Law and Venue

These Terms are governed by the laws of the State of Michigan, without regard to conflict-of-law principles. Unless applicable law requires otherwise, disputes will be brought in the state or federal courts located in Michigan, and you consent to their jurisdiction.

15. Changes

We may update these Terms. The "Last Updated" date identifies the current version. Continued use after an update constitutes acceptance to the extent permitted by law.

16. Severability and Entire Agreement

If a provision is unenforceable, the remaining provisions remain in effect. These Terms, the Privacy Policy, the SMS Terms, and any consent presented at submission constitute the agreement regarding use of the website, except where another written agreement applies.

17. Contact

Takeover Leads LLC Operating under the assumed name Life Coverage HQ | Email: [email protected] | Phone: (616) 691-6506