Connect to Coverage – Legal Disclosures
 

This Disclosure Statement (“Disclosures”) explains how Connect to Coverage operates, how insurance quotes are generated, and what relationships may exist between Connect to Coverage, insurance carriers, and licensed agents. By using our website, submitting your information, or requesting a life insurance quote, you acknowledge that you have read, understood, and agree to the following disclosures.
 

1. Not a Government Agency

Connect to Coverage is a privately owned insurance marketing and lead generation organization. We are not affiliated with or endorsed by any state or federal government agency, including Medicare, Medicaid, Healthcare.gov, the Social Security Administration, or any government health or benefits program.
 

2. No Guaranteed Coverage or Approval

Submitting information through our website does not guarantee coverage, approval, or qualification for any life insurance product.
Eligibility is determined solely by the insurance carrier and may require additional information, underwriting review, medical questions, or further verification.
 

3. Quotes Are Estimates

All quotes provided by Connect to Coverage are preliminary estimates based on the information you submit. Final rates may vary depending on underwriting results, health history, medical conditions, prescription records, lifestyle factors, or carrier-specific requirements.
Carriers reserve the right to modify or decline coverage based on their internal guidelines.
 

4. Licensed Agents

Life insurance products are offered and sold only by state-licensed agents. Connect to Coverage may connect you with a licensed agent who is authorized to present and service insurance products in your state. Some agents may be independent, while others may work with an affiliated brokerage, independent marketing organization (IMO).
 

5. Compensation & Commissions

Connect to Coverage and/or affiliated agents may receive commissions or compensation from insurance carriers for policies sold.
Compensation varies by product, carrier, policy type, and state regulations. This compensation does not increase your cost or affect your premiums.
 

6. Carrier Logos & Trademarks

Any logos, trademarks, brand names, or imagery displayed on our website are the property of their respective insurance carriers. Their appearance does not imply partnership, endorsement, or sponsorship unless explicitly stated.
 

7. Independent Distribution

Connect to Coverage is not owned, operated, or controlled by any insurance carrier. We may work with multiple carriers to help provide accurate quotes and available policy options.
Policy availability varies by state, age, health status, underwriting rules, and carrier approval.
 

8. Communication Consent

By submitting your information, you agree that Connect to Coverage and its representatives may contact you via phone calls, emails, and SMS messages for purposes of delivering quotes, gathering additional details, providing customer support, and sharing policy recommendations.
Your consent does not obligate you to purchase.

For SMS-specific disclosures, refer to our SMS Terms & Conditions.
 

9. Use of Personal Information

Your personal information is used solely to provide you with life insurance services. We do not sell your information to third parties for marketing purposes.
Details about data usage, privacy, and protection are available in our Privacy Policy.
 

10. No Financial, Legal, or Tax Advice

Any information provided on this website or through communications with Connect to Coverage is for informational purposes only.
We do not provide:

• Legal advice

• Tax advice

• Financial planning advice

You are encouraged to consult your attorney, CPA, or financial advisor for professional guidance.
 

11. Policy Features & Riders

Descriptions of policy features, riders, or benefits are general summaries and may not reflect full carrier-specific terms.
All features are governed by the actual policy contract issued by the insurance carrier. Availability varies by state.
 

12. Accuracy of Information

You agree that the information you provide is true, accurate, and complete to the best of your knowledge.
Providing false or misleading information may affect your eligibility, premium pricing, or approval.
 

13. No Warranty

Connect to Coverage makes no warranties or guarantees regarding:

• Carrier decisions

• Underwriting outcomes

• Premium rates

• Availability of certain products

• Delivery times of quotes or communications

All insurance products are offered on an “as available” basis.
 

14. State Regulations

Insurance laws and regulations vary by state. All quotes and policy options are subject to the rules of your state of residence.
Not all policies are available in all states.
 

15. Changes to Disclosures

We may modify or update this Disclosure Statement at any time. Updates will be posted on this page, and continued use of our site indicates acceptance of any changes.
 

16. Contact Information

For questions regarding these disclosures or how we operate, you may contact us at:
Email: team@connecttocoverage.com
Website: www.connecttocoverage.com