Last updated: February 28, 2026
By accessing or using the CoverMeOnline website at covermeonline.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must not use the Site.
CoverMeOnline is an insurance lead generation and quote comparison platform. We connect consumers seeking life insurance, final expense insurance, mortgage protection, and related products with licensed insurance agents and carriers. We are not an insurance company, insurance carrier, or insurance broker. We do not underwrite, sell, or bind insurance policies directly.
The information provided on this Site is for general informational purposes only and does not constitute insurance, financial, legal, or tax advice. The content on our Site should not be relied upon as a substitute for professional advice from a licensed insurance agent, financial advisor, or attorney. Individual circumstances vary, and you should consult with appropriate professionals before making insurance decisions.
When you submit a quote request or fill out any form on our Site:
You must be at least 18 years of age to use this Site. By using the Site, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.
You agree not to:
All content on this Site, including text, graphics, logos, images, and software, is the property of CoverMeOnline or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our express written permission.
Our Site may contain links to third-party websites, including insurance carrier websites and agent websites. We are not responsible for the content, privacy practices, or terms of service of any third-party sites. Visiting third-party sites is at your own risk.
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. We do not warrant that:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COVERMEONLINE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, INCLUDING BUT NOT LIMITED TO LOSS OF REVENUE, LOSS OF PROFITS, OR LOSS OF DATA.
Our total liability for any claim arising out of or related to the Site shall not exceed the amount you paid to us (if any) in the twelve (12) months preceding the claim.
You agree to indemnify, defend, and hold harmless CoverMeOnline and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Orange County, Florida.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
For questions about these Terms of Service, contact us at: