Last updated: 15/08/2026
Welcome to termlifepicks.com (the “Site”). By accessing or using this Site, you agree to the following Terms of Service. If you do not agree, please do not use the Site.
1. About This Site
termlifepicks.com publishes educational and comparative content about life insurance products, companies, and buying guides for a U.S. audience. We are not a licensed insurance agency, broker, or agent, and we do not sell insurance policies directly. Content on this Site is intended to help readers understand their options — it does not constitute financial, insurance, legal, or tax advice.
2. No Professional Advice
Nothing on this Site should be treated as personalized financial, insurance, legal, or tax advice. Insurance products, rates, and eligibility vary by individual circumstances, insurer, and state. Always confirm current rates, terms, and eligibility directly with the insurance company or a licensed professional before making a purchasing decision. Your reliance on any information on this Site is at your own risk.
3. Affiliate Disclosure
termlifepicks.com participates in affiliate marketing programs with life insurance companies and comparison platforms. This means we may earn a commission when you click certain links on this Site and complete an application or purchase with one of our partners, at no additional cost to you. Our editorial content and comparisons are based on publicly available information from insurers’ official sources, and affiliate relationships do not change the factual accuracy of what we publish. Not every company or product mentioned on this Site is an affiliate partner, and not every link is an affiliate link.
4. Accuracy of Information
We work to keep rates, coverage details, and company information accurate and current, but insurance products, pricing, and underwriting guidelines change frequently and without notice. We do not guarantee that any information on this Site is complete, current, or error-free. Always verify specific details directly with the insurer before making a decision.
5. Third-Party Links
This Site contains links to third-party websites, including insurance companies and affiliate partners. We do not control and are not responsible for the content, accuracy, or privacy practices of those external sites. Visiting a linked third-party site is at your own discretion and risk.
6. Intellectual Property
Unless otherwise noted, all content on this Site — including articles, graphics, and site design — is the property of termlifepicks.com and may not be copied, reproduced, or republished without permission. You may share links to our content and quote brief excerpts with proper attribution.
7. Acceptable Use
You agree not to use this Site to: violate any applicable law; attempt to gain unauthorized access to the Site or its systems; scrape, copy, or republish content at scale without permission; or interfere with the Site’s normal operation.
8. Limitation of Liability
To the fullest extent permitted by law, termlifepicks.com and its owners are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this Site, your reliance on its content, or your interactions with any third party or insurer linked from this Site. This includes, without limitation, decisions made about purchasing, declining, or canceling any insurance policy.
9. No Guarantee of Outcomes
Comparisons, rankings, and recommendations on this Site reflect our editorial research and publicly available data at the time of publication. They are not a guarantee that any specific company, policy, or rate will be available to you, or that any product is the right fit for your individual circumstances.
10. Changes to These Terms
We may update these Terms of Service from time to time. Changes will be posted on this page with an updated “Last updated” date. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
11. Governing Law
These Terms are governed by the laws of the United States and the state in which termlifepicks.com operates, without regard to conflict of law principles.
12. Contact Us
If you have questions about these Terms of Service, contact us at:
Email: pablogt20042004@gmail.com Website: termlifepicks.com