Terms & Conditions | Rate Shop Live

1. Independent Brokerage Disclosure

Rate Shop Live LLC, doing business as Rate Shop Live, is an independent insurance brokerage and is not affiliated with or endorsed by any single insurance carrier.

Rate Shop Live may offer term life insurance, whole life insurance, long-term care insurance, annuities, and other insurance products through licensed insurance carriers.

2. No Guarantee of Coverage or Rates

Insurance quotes, rates, and premium estimates are provided for informational purposes only. All coverage, pricing, eligibility, underwriting classifications, and policy issuance are subject to the applicable insurance carrier’s underwriting guidelines and approval.

Rates displayed or discussed during a Rate Shop Live Review are not guarantees of final premium or coverage.

3. Communications and SMS Terms

By providing your contact information, you agree that Rate Shop Live may contact you regarding an inquiry or service you requested, including by email, telephone, or other appropriate means.

If you separately consent to receive SMS/text messages, Rate Shop Live may send customer-care messages related to your inquiry, requested information, appointment scheduling, appointment confirmations and reminders, and follow-up communications.

Message frequency varies. Message and data rates may apply. Reply STOP to opt out of text messages at any time. Reply HELP for help.

Consent to receive SMS messages is not a condition of purchasing any product or service.
SMS consent and mobile phone information will not be sold, shared, or disclosed to third parties or affiliates for their marketing or promotional purposes.

For additional information regarding how we collect, use, and protect personal information, please review our Privacy Policy.

4. Personalized Video Reviews

Rate Shop Live Reviews are designed primarily to help consumers compare term life insurance rates and coverage options during a live online review with a licensed insurance agent.

Information, quotes, and comparisons presented during a Rate Shop Live Review are for informational purposes and are based on information available at the time of the review. Final rates, coverage, eligibility, and policy issuance remain subject to underwriting and carrier approval.

5. Insurance Applications

If you choose to apply for insurance, you may be required to provide additional personal, financial, health, or other information requested by the applicable insurance carrier.

Submitting an application does not guarantee that coverage will be offered or issued.

6. Intellectual Property

All website content, graphics, videos, branding, logos, and written materials owned by Rate Shop Live are protected by applicable intellectual-property laws and may not be copied, reproduced, or distributed without permission, except as permitted by law.

7. Limitation of Liability

To the extent permitted by applicable law, Rate Shop Live is not responsible for decisions made based solely on estimates, preliminary quotes, or other preliminary information provided through the website or during a Rate Shop Live Review.

Final underwriting, pricing, coverage, and policy-issuance decisions are made by the applicable insurance carrier.

8. Changes to These Terms

Rate Shop Live may update these Terms & Conditions periodically to reflect changes to our services, practices, or applicable requirements. Updated Terms become effective when posted on the website.