1. Acceptance of Terms
Welcome to Evergreen Life Advisors. By accessing or using our website at evergreenlifeadvisors.com (the "Site") or by submitting a quote request, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site or services.
These Terms apply to all visitors, users, and others who access or use the Site.
2. About Our Services
Evergreen Life Advisors is an independent life insurance advisory service. We help individuals and families compare life insurance options from multiple highly rated insurance carriers, including final expense, term life, and whole life products.
We are not an insurance carrier. We do not issue policies. We provide guidance and connect you with insurance carriers who issue policies subject to their own underwriting and approval processes.
3. No Guarantee of Coverage or Approval
We do not guarantee approval, coverage, or specific premium rates. All insurance applications are subject to underwriting by the issuing carrier. Coverage availability, eligibility, and pricing depend on factors including but not limited to:
- Your age
- Your health and medical history
- Your state of residence
- The specific carrier and product
- The carrier's underwriting guidelines
- Information you provide on your application
The carrier — not Evergreen Life Advisors — makes all final decisions regarding coverage approval, terms, and pricing.
4. Informational Purposes Only
The information on our Site is provided for general informational and educational purposes only. It is not, and should not be construed as, financial, legal, tax, or professional insurance advice tailored to your specific situation.
You should consult with a licensed insurance professional, financial advisor, or attorney before making decisions based on information found on our Site.
5. Accuracy of Information
We strive to provide accurate, current information. However, we do not warrant or guarantee that all information on our Site is complete, accurate, or up to date. Insurance products, premiums, and carrier guidelines change frequently. Information you receive in a personalized quote will be more accurate than general information on the Site, but final terms are determined only at the time of application and underwriting.
6. Eligibility
You must be at least 18 years old and a legal resident of the United States to use our services. By using the Site, you represent that you meet these requirements.
You must provide accurate, current, and complete information when submitting a quote request. Submitting false information may result in termination of services and potential legal consequences.
7. Communications Consent
By checking the consent box and submitting our quote request form, you expressly agree and consent to receive marketing, transactional, and informational messages from Evergreen Life Advisors and its insurance carrier partners about insurance products and services. The full consent disclosure presented to you at the time of submission reads:
"By clicking 'Yes, I accept,' I agree to receive marketing, transactional, and informational messages from Evergreen Life Advisors and its partners about Insurance. These messages may include text, calls, or prerecorded/artificial voice messages, sent via phone system, CRM, or ATDS. I confirm I'm using the number I own and provided, and I can unsubscribe anytime by replying 'STOP' to any text message. This consent applies even if I'm on any Do Not Call list. I am at least 18 years old and have read the Privacy Policy. Msg & data rates may apply."
This consent constitutes "express written consent" as defined under the Telephone Consumer Protection Act (47 U.S.C. § 227) and applicable state laws. Your consent is not a condition of any purchase. You may revoke this consent at any time using the methods described in our Privacy Policy.
You represent that the phone number you provide belongs to you and that you are authorized to receive communications at that number.
8. Health Information Disclosure (Detailed Quote)
If you choose to submit our optional Detailed Quote form, you may provide health and lifestyle information including height, weight, tobacco use, medical conditions, medications, hospitalizations, and lifestyle factors. By checking the Health Information Consent box and submitting the Detailed Quote form, you:
- Confirm that you are voluntarily providing this information for the purpose of receiving personalized life insurance quotes
- Acknowledge that this information may be shared with insurance carriers and their underwriters as part of the quoting and underwriting process
- Authorize Evergreen Life Advisors to retain this information in accordance with our Privacy Policy and applicable laws
You may use our Quick Quote form instead if you prefer not to share health information at this stage.
Submitting health information through our website is not equivalent to applying for or being approved for an insurance policy. All policy decisions are made by the insurance carrier following their underwriting review.
You may withdraw consent and request deletion of your health information at any time by contacting us, subject to legal recordkeeping requirements.
9. User Conduct
You agree not to:
- Use the Site for any unlawful purpose
- Submit false, misleading, or fraudulent information
- Impersonate any person or entity
- Interfere with or disrupt the Site or its servers
- Attempt to gain unauthorized access to any portion of the Site
- Use automated tools (bots, scrapers, etc.) to access or collect information from the Site
- Submit the contact information of another person without their consent
- Use the Site to transmit spam, viruses, or harmful code
10. Intellectual Property
The Site and its content — including but not limited to text, graphics, logos, images, layout, and design — are the property of Evergreen Life Advisors or our licensors and are protected by U.S. and international copyright, trademark, and other intellectual property laws.
You may view and use our content for personal, non-commercial purposes only. You may not copy, reproduce, distribute, modify, or create derivative works from our content without our prior written permission.
"Evergreen Life Advisors" and our logo are trademarks. You may not use them without our prior written permission.
11. Third-Party Carriers and Services
We work with third-party insurance carriers, service providers, and technology partners. We are not responsible for the products, services, content, accuracy, privacy practices, or actions of any third parties.
If you purchase a policy from an insurance carrier, your relationship for that policy will be governed by the carrier's terms, contract, and policies — not these Terms.
12. Disclaimers
THE SITE AND OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:
- Implied warranties of merchantability
- Fitness for a particular purpose
- Non-infringement
- Warranties that the Site will be uninterrupted, error-free, or secure
- Warranties regarding the accuracy or reliability of information
No advice or information obtained from us, whether oral or written, creates any warranty not expressly stated in these Terms.
13. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, EVERGREEN LIFE ADVISORS, ITS OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, including but not limited to lost profits, lost data, loss of goodwill, or any other intangible losses, arising out of or in connection with:
- Your use of or inability to use the Site or services
- Any conduct or content of any third party on the Site
- Any unauthorized access to or use of our servers or any personal information stored therein
- Insurance carrier decisions, policy terms, or claims handling
In no event shall our aggregate liability exceed the greater of $100 or the amount you paid us, if any, for using our services in the past twelve months.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages, so some of the above limitations may not apply to you.
14. Indemnification
You agree to indemnify, defend, and hold harmless Evergreen Life Advisors and its officers, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of another person or entity.
15. Governing Law and Disputes
These Terms are governed by the laws of the State of [STATE], without regard to its conflict of laws principles. Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved in the state or federal courts located in [STATE/COUNTY], and you consent to the personal jurisdiction of those courts.
Any claim must be brought within one (1) year after the cause of action arises, or it is permanently barred.
Note: Replace [STATE] and [STATE/COUNTY] with your state of business operation. Consult with an attorney to confirm appropriate venue and jurisdiction language for your state.
16. Changes to These Terms
We may modify these Terms at any time. When we do, we will update the "Last Updated" date at the top of this page. Your continued use of the Site after changes are posted constitutes your acceptance of the modified Terms.
If you do not agree to the modified Terms, you must stop using the Site.
17. Contact Us
If you have questions about these Terms, contact us at:
Evergreen Life Advisors
Email: armand@evergreenlifeadvisors.com
Website: www.evergreenlifeadvisors.com