America Protected
Legal

Terms of Service

Last updated: May 2025

Please read these Terms of Service carefully before using the America Protected website. By accessing or using this site, you agree to be bound by these terms. If you do not agree, please do not use this site.

1. About America Protected

America Protected is an insurance marketing organization. We are not a licensed insurance carrier. Our role is to connect consumers with licensed insurance agents and professionals who can present coverage options from various carriers. We do not sell, underwrite, or administer insurance policies.

2. Use of the Website

This website is intended for use by individuals who are residents of the United States, aged 18 or older, who are interested in receiving information about life insurance products. You agree to:

3. No Insurance Guarantee

Submitting a quote request does not guarantee that you will qualify for any insurance product. Coverage eligibility, rates, and availability are determined by individual insurance carriers based on your specific circumstances, health status, age, and other underwriting factors. All quotes are estimates only and subject to change.

4. Agent Contact

By submitting your information, you consent to being contacted by a licensed insurance agent by phone, text, or email. This contact is for the purpose of presenting insurance options and does not obligate you to purchase any product. You may request to be removed from contact at any time.

5. No Professional Advice

The content on this website is for general informational purposes only and does not constitute financial, legal, tax, or insurance advice. You should consult with a licensed professional regarding your specific needs before making any insurance purchasing decisions.

6. Third-Party Carriers and Agents

America Protected works with independent licensed agents and multiple insurance carriers. We do not control the actions, representations, or pricing of these third parties. America Protected is not liable for any acts or omissions of agents or carriers you are connected with through this site.

7. Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of America Protected or its content suppliers and is protected by applicable intellectual property laws. Unauthorized use is prohibited.

8. Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, America Protected and its officers, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or any insurance products you obtain through agents connected via this site.

10. Indemnification

You agree to indemnify and hold harmless America Protected and its affiliates, agents, and employees from any claims, damages, or expenses (including reasonable attorneys' fees) arising out of your use of this site or violation of these Terms.

11. Governing Law

These Terms of Service are governed by the laws of the United States and the state in which America Protected operates, without regard to conflict of law principles.

12. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the site after changes are posted constitutes acceptance of the revised terms.

13. Contact Us

If you have questions about these Terms of Service, please contact us at:

America Protected
support@americaprotected.com

This website is not affiliated with or endorsed by any government agency. America Protected is not a government website. Insurance products referenced are issued by separate, licensed insurance companies.