Welcome to evergreenlifeinsurance.net (the "Website"). These Terms & Conditions ("Terms") govern your access to and use of this Website, our service of matching you with licensed life insurance professionals, and any related communications. Please read these Terms carefully before using this Website.
By accessing this Website or submitting your information through our multi-step lead wizard, you agree to comply with and be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, you must not use this Website.
1. Service Description
Evergreen Life Insurance is not a licensed insurance carrier, underwriter, or broker. We do not write insurance policies, evaluate credit, underwrite risks, or make decisions on specific plan approvals. Instead, this Website operates as an online lead generation matching service. We collect your self-reported profile metrics and transfer that information to third-party licensed insurance carriers, brokers, agents, or marketing affiliates ("Insurance Partners") who may be able to present you with customized quotes and enrollment options.
2. TCPA and SMS Consent & Marketing Authorization
By completing our questionnaire, checking the explicit SMS authorization checkbox, and clicking the submission button, you acknowledge and agree that:
- You are providing your signature and giving express written consent under the Telephone Consumer Protection Act (TCPA) to receive recurring marketing and informational calls and text messages (SMS and MMS) from the Company and our Insurance Partners.
- These communications may be sent using automated systems (such as an automatic telephone dialing system or predictive dialers), prerecorded messages, or artificial voices.
- These calls or texts may be sent to the phone number you provide, even if your phone number is currently listed on any state or federal Do Not Call (DNC) registry.
- Consent is not a condition of purchase. You are not required to provide consent to purchase insurance or any other product. If you do not wish to consent, you can inquire about quotes without submitting the form by calling our support center directly at the number displayed on this Website.
3. SMS Messaging Terms and Opt-Out Instructions
In addition to section 2 above, the following terms apply specifically to SMS communication:
- Message Frequency: The frequency of text messages varies depending on your interactions, quote updates, and enrollment milestones.
- Carrier Rates: Message and data rates may apply. Your mobile carrier's standard charges for text messages and data will apply to any SMS sent or received.
- Opt-Out Policy: You can cancel SMS communications at any time. Simply text STOP in reply to any text message we or our partners send you. After you send STOP, you may receive a single confirmation message verifying your opt-out. You will then receive no further text messages from that specific number unless you re-register.
- Help Instructions: If you need help, text HELP to the number sending you messages, or email us at support@evergreenlifeinsurance.net.
4. Third-Party Insurance Partners Disclaimer
Any quote, estimate, or policy offer provided by an Insurance Partner is subject to their own underwriting criteria, medical checks (if applicable), and guidelines. We make no warranty or guarantee that:
- You will be approved for life insurance coverage.
- The rates presented by Insurance Partners represent the lowest rate available in the market.
- Any Insurance Partner will provide you with a policy proposal.
Your dealings, communication, and agreements with any third-party Insurance Partner are solely between you and that Insurance Partner. We are not liable or responsible for any policy purchase, coverage claim, or dispute arising between you and an Insurance Partner.
5. Data Usage & Verification
You agree to provide true, accurate, current, and complete information. We verify phone numbers and use compliance record tools to validate submissions. If you provide false, misleading, or incorrect information, we reserve the right to reject your submission and terminate your access to our matching service.
6. Intellectual Property
All content, branding, design, logos, graphics, layout, text, code, and trademarks displayed on this Website are the property of Evergreen Life Insurance or its licensors and are protected by copyright and intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access the Website for personal, non-commercial purposes. You may not copy, reproduce, modify, or distribute any part of this Website without our prior written consent.
7. Limitation of Liability
To the maximum extent permitted by applicable law, Evergreen Life Insurance, its officers, employees, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:
- Your access to or use of (or inability to access or use) the Website.
- Any conduct, communication, or services of any Insurance Partner or third party.
- Any errors or omissions in the content of the Website or communications.
8. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or your use of the Website shall be resolved exclusively in the state or federal courts located in Utah.
9. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms shall remain in full force and effect.
10. Contact Information
For questions or comments about these Terms & Conditions, please contact us at:
Evergreen Life Insurance
Email: support@evergreenlifeinsurance.net
Mailing Address: 2531 SOUTH 150 EAST, Bountiful, UT 84010