Important: Coverage4Veterans provides life insurance information and advisory services for U.S. veterans and their families. The information on this website is for educational and informational purposes only and does not constitute insurance, financial, legal, or tax advice. Coverage is subject to eligibility, underwriting, and carrier approval. Services are available in all U.S. states except New York.
1. Acceptance of Terms
By accessing and using the website at coverage4veterans.com, you accept and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these terms, please do not use our website.
2. Who We Are
Coverage4Veterans is a life insurance advisory service that specializes in helping U.S. veterans, active-duty service members, and their families find appropriate life insurance coverage. We work with licensed insurance professionals to help individuals understand and compare Term Life, Whole Life, SGLI/VGLI supplemental, and children's life insurance options.
We are not an insurance carrier. We are an advisory and referral service that connects individuals with licensed insurance agents. All policies are underwritten by third-party insurance carriers.
3. Eligibility & Geographic Availability
Our services are available to residents of all U.S. states except New York. By using this website and submitting your information, you represent that you reside in an eligible state.
You must be 18 years of age or older to request a quote or use our services. By using this site, you confirm that you meet these eligibility requirements.
4. No Guarantee of Coverage
Submitting a quote request or contacting us does not guarantee that you will qualify for or receive any specific life insurance policy. All coverage is subject to underwriting review, eligibility criteria, and approval by the issuing insurance carrier.
Coverage amounts, premiums, and terms will vary based on individual health, age, military service history, and other factors as determined by the carrier's underwriting process.
5. No Insurance or Financial Advice
The content on this website is provided for informational purposes only. Nothing on this site constitutes insurance advice, financial advice, investment advice, legal advice, or tax advice. You should consult with qualified licensed professionals before making any decisions regarding life insurance or financial planning.
6. SMS Text Message Communications
SMS Consent: By submitting your phone number through any form on our website, you expressly consent to receive SMS text messages from Coverage4Veterans. Consent to receive SMS messages is not a condition of receiving any quote or service.
By opting in to SMS communications, you agree to the following terms:
- Types of Messages: You may receive quote confirmations, appointment reminders, follow-up messages, and information about life insurance products relevant to your inquiry.
- Message Frequency: Message frequency varies. You may receive up to 4–6 messages per month depending on your inquiry and engagement.
- Message & Data Rates: Standard message and data rates may apply depending on your mobile carrier and plan. Coverage4Veterans is not responsible for any charges incurred from your carrier.
- How to Opt Out: Reply STOP to any SMS message at any time to opt out. After texting STOP, you will receive one confirmation message and no further SMS messages will be sent to that number.
- Help: Reply HELP to any SMS message for assistance, or call us at (323) 319-6017.
- Carrier Disclaimer: Wireless carriers are not liable for delayed or undelivered messages.
- Non-Transferable: Your SMS consent is not transferable to any third party. We will not sell or share your mobile number for third-party marketing purposes.
SMS communications are provided as a convenience only. Opting out of SMS will not affect your ability to receive a quote or use our services.
7. Use of Website
You agree to use this website only for lawful purposes and in a manner consistent with these Terms. You must not:
- Use the site in any way that violates applicable local, state, national, or international laws or regulations
- Provide false or misleading information in any form submission
- Attempt to gain unauthorized access to any part of the website or its systems
- Transmit any unsolicited advertising, spam, or promotional material
- Engage in any conduct that disrupts or inhibits others' use of the website
- Use automated tools to scrape, crawl, or extract data from the website
8. Intellectual Property
All content on this website — including text, graphics, logos, images, and code — is the property of Coverage4Veterans and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this site without our express written permission.
9. Disclaimer of Warranties
This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Coverage4Veterans does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or usefulness of any information presented.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Coverage4Veterans, its affiliates, officers, agents, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:
- Your use of or inability to use this website
- Any reliance on information provided on this site
- Any insurance decisions made based on content found on this site
- Delays or failures in SMS message delivery
11. Third-Party Links
Our website may contain links to third-party websites, including insurance carrier portals and external resources. These links are provided for convenience only. We have no control over the content or practices of those sites and accept no responsibility for them or for any loss that may arise from your use of them. We encourage you to review the privacy policies of any third-party sites you visit.
12. Privacy
Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this website, you consent to the data practices described in our Privacy Policy, including the collection and use of your information for SMS communications as described therein.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Coverage4Veterans operates, without regard to conflict of law provisions. Any disputes arising under these Terms shall be resolved through good-faith negotiation. If necessary, disputes will be subject to binding arbitration or the jurisdiction of applicable courts.
14. Changes to Terms
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the website with an updated date. Your continued use of the website after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
15. Contact Us
If you have any questions about these Terms and Conditions, please contact us:
- Phone: (323) 319-6017
- Hours: Monday – Friday, 7:00 AM – 7:00 PM PST