Terms of Service

Agreement to Terms

By accessing and using the Silver State Life Insurance website (silverstatelifeinsurance.com), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this site.

Description of Services

Silver State Life Insurance provides educational information about life insurance, tools to help estimate coverage needs, and connects consumers with licensed insurance agents in Nevada. We are an insurance agency, not an insurance carrier.

Not Insurance Advice

The information provided on this website is for general informational purposes only and should not be construed as personalized insurance advice. Life insurance decisions should be made based on your individual circumstances with the guidance of a licensed insurance professional.

Our calculators and tools provide estimates only. Actual insurance premiums, coverage amounts, and policy terms are determined by insurance carriers based on detailed underwriting.

User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Not submit false or misleading information
• Not use the site for any unlawful purpose
• Not attempt to gain unauthorized access to our systems
• Not interfere with the proper functioning of the website

Quote Requests

By submitting a quote request, you consent to being contacted by licensed insurance agents via phone, email, or text message regarding your inquiry. You understand that:

• Quotes are estimates and subject to underwriting
• Final rates depend on full application and medical underwriting
• We cannot guarantee coverage approval or specific rates
• You may opt out of communications at any time

Intellectual Property

The content on this website, including text, graphics, logos, images, and software, is the property of Silver State Life Insurance or its content suppliers and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is at your own risk.

Disclaimer of Warranties

This website and its contents are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the website will be uninterrupted or error-free
• Warranties regarding the accuracy of information provided

Limitation of Liability

To the fullest extent permitted by law, Silver State Life Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services.

Our total liability for any claims arising from these Terms or your use of the website shall not exceed the amount you paid us in the twelve months preceding the claim, if any.

Indemnification

You agree to indemnify and hold harmless Silver State Life Insurance, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the website or violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Clark County, Nevada.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on this page. Your continued use of the website after changes constitutes acceptance of the modified Terms.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Contact Information

For questions about these Terms of Service, please contact us:

• Email: legal@silverstatelifeinsurance.com
• Phone: (702) 900-1010
• Address: Silver State Life Insurance, Las Vegas, Nevada