Terms of Service
Last updated: August 17, 2026
Acceptance of Terms
By accessing and using this website, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.
Services Description
This website is operated by Limitless Insurance Group LLC and provides a free service that connects consumers seeking new life insurance coverage with licensed insurance agents. We are not an insurance company and do not underwrite or issue insurance policies. We are not New York Life and are not its official corporate website, and we are not affiliated with, sponsored by, or endorsed by New York Life. Our agents can provide information about, and eligible applications for, insurance carriers and products for which they are individually and appropriately licensed and appointed. This website does not provide customer service, claims handling, billing support, or any other servicing for existing insurance policies.
No Insurance Advice
The information provided on this website is for general informational purposes only and does not constitute insurance advice. All insurance-related decisions should be made in consultation with a licensed insurance agent who can evaluate your specific circumstances and needs.
Quotes and Pricing
Any quotes referenced on this website are estimates only. Actual insurance premiums are determined by the insurance carrier based on factors including but not limited to age, health status, coverage amount, and policy type. Final rates and coverage terms are subject to the insurance carrier's underwriting guidelines. Requesting a quote does not guarantee eligibility, pricing, or coverage.
User Responsibilities
When using our services, you agree to:
- Provide accurate and truthful information in all forms and communications.
- Be at least 18 years of age.
- Not use our services for any unlawful purpose.
- Not attempt to interfere with the proper functioning of our website.
Consent to Contact
By submitting your information through our quote request form or calling our phone number, you consent to being contacted by a licensed insurance agent with Limitless Insurance Group LLC regarding your quote request. You may receive calls, text messages, or other communications at the phone number you provided. You can opt out of future communications at any time by informing the agent directly. Consent to be contacted is not a condition of purchasing any insurance product.
Intellectual Property
Content on this website that is original to Limitless Insurance Group LLC, including text, graphics, logos, and design elements, is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without prior written consent. New York Life and other third-party carrier names and trademarks referenced on this website remain the property of their respective owners, and such references do not imply affiliation, sponsorship, or endorsement.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of any third-party sites.
Disclaimer of Warranties
This website and its services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or timeliness of the information on our website.
Limitation of Liability
To the fullest extent permitted by law, Limitless Insurance Group LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.
Governing Law
These Terms of Service are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.
Changes to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this website. Your continued use of our website following any changes constitutes acceptance of the revised terms.
Contact
Limitless Insurance Group LLC. If you have questions about these Terms of Service, please contact us by phone using the number listed on our Contact Us page or on our homepage.