Terms of use

Effective date: August 12, 2026

Agreeing to these terms

By using Seniors Lighthouse, you agree to these terms. If you do not agree with them, please do not use the site. If you use the site on behalf of someone else — a parent or a spouse, for example — you are confirming you are allowed to do so.

What this site is

This is an educational resource about life insurance for older adults, together with a way to request a conversation with a licensed agent. Our guides explain how coverage generally works so you can ask better questions and recognize a bad deal when you see one.

What this site is not

• It is not personalized advice. Nothing here is individualized financial, insurance, tax, or legal advice. Your situation has details a general guide cannot know about.
• It is not an offer of insurance. No page on this site is an offer, a solicitation to buy a specific policy, or a contract for insurance. Only an insurance company can issue a policy, and only the policy document itself states what is actually covered.
• Our form is not an application. Submitting a request for guidance asks us to get in touch. It does not apply for coverage, bind coverage, or obligate you to buy anything.
• Browsing does not make us your agent. Reading these pages does not by itself create an agent, broker, or client relationship between us.

No guarantee of coverage, rates, or approval

Whether you qualify for a policy, and what you pay for it, is decided by the insurance company through its own underwriting. Availability, features, and pricing vary by insurer, by state, and by person. Any figures or examples on this site are illustrations, not quotes, and nothing here guarantees that you will be approved or offered a particular rate.

Keeping our content accurate

We work to keep these guides correct and current, and we say where our figures come from. Even so, insurance rules and products change, and pages may become out of date between reviews. We provide this content as-is and may correct, update, or remove it at any time. For official information about insurance in your state, your state insurance department is the authority.

Using the site responsibly

When you use this site, please do not:

• Submit information that is false, or that belongs to someone else without their permission
• Attempt to break into, overload, scrape, or disrupt the site or its forms
• Use the site for anything unlawful, or to harass anyone
• Copy or republish our guides for commercial use without our written permission

Please give us accurate contact details when you request guidance — a licensed agent uses exactly what you typed to reach you.

Our content

The written guides, layout, graphics, and the Seniors Lighthouse name and logo belong to us or to our licensors. You are welcome to read, print, and share our guides for your own personal, non-commercial use. Insurance company names and logos shown on this site belong to those companies and appear only to identify carriers we compare.

Links to other websites

We link to outside resources such as state insurance departments, government agencies, and insurance company websites. We do not control those sites and are not responsible for their content, their accuracy, or how they handle your information.

Disclaimer

This site and its content are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

Limits on our responsibility

To the fullest extent the law allows, Seniors Lighthouse is not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or lost data, arising out of your use of this site or your reliance on its educational content. Nothing in these terms limits any liability that cannot be limited under applicable law, including liability for fraud. Some states do not allow certain limitations, so parts of this section may not apply to you.

Changes to the site and to these terms

We may change, suspend, or discontinue any part of this site at any time. We may also update these terms; when we do, we will change the effective date at the top. Continuing to use the site after a change means you accept the updated terms.

Governing law

These terms are governed by the laws of the state in which Seniors Lighthouseis organized, without regard to that state’s conflict-of-law rules, and by applicable United States federal law.

Contact us

Questions about these terms? Email support@seniorslighthouse.com or call 844-484-5056, Mon-Fri, 9am-5:30pm CT. Our privacy policy and disclosures are part of these terms.