Effective date: October 23, 2026

These Terms of Service (“Terms”) cover your use of lifeinsurancehiv.com (the “Site”). The Site is operated by Phillip Chin, an independent licensed insurance broker (NPN #8895251), doing business as LifeInsuranceHIV.com (“we,” “us,” or “our”). By using the Site, you agree to these Terms. If you don’t agree, please don’t use the Site.

1. Who we are

LifeInsuranceHIV.com is an independent insurance broker. We are not an insurance company, and we don’t issue policies. We help people living with HIV compare life insurance options from multiple carriers and apply. Carriers pay us a commission when a policy is placed. We don’t charge you a broker fee.

2. Quotes are estimates

Any rates or coverage ranges shown on the Site are estimates. Your final premium, rate class, and eligibility are decided by the insurance carrier after underwriting, which may include medical records, lab results, prescription history, and other checks. Rates and products change often and aren’t available in every state.

3. No coverage until approved

Submitting a quote request or application does not create insurance coverage. Coverage begins only when the carrier approves your application, issues the policy, and the first premium is paid, as stated in the policy. Don’t cancel any existing coverage until your new policy is in force.

4. Your health information

To shop carriers for you, we may ask about sensitive health details, including your HIV status, treatment, and lab results. We use this information only to prepare quotes and help you apply, and we don’t sell it. Our Privacy Policy explains how we collect, use, and protect your information.

5. Not medical, financial, legal, or tax advice

Content on the Site is general education. It isn’t medical, financial, legal, or tax advice. Talk with your doctor about your health and with a licensed professional about your situation. You’re welcome to call us about your insurance options.

6. Information you provide

You agree that the information you give us is true, complete, and your own, or that you’re authorized to provide it. Inaccurate information can lead to wrong quotes, a declined application, or a policy being rescinded later.

7. Consent to contact

When you submit your contact information, you agree that LifeInsuranceHIV.com may contact you about your quote, application, and related insurance services by phone, text message, and email at the numbers and addresses you provide. This may include automated technology. Consent isn’t a condition of purchase. Message and data rates may apply. You can opt out of texts anytime by replying STOP, unsubscribe from emails using the link in any email, or ask us to stop calling by contacting us.

8. Third-party services

The Site uses third-party tools, such as analytics, and links to carrier and other websites. We aren’t responsible for third-party content, services, or practices. Your use of them may be subject to their own terms.

9. Acceptable use

You agree not to misuse the Site. That includes submitting false information, trying to break or overload it, scraping it, or using it for any unlawful purpose.

10. Intellectual property

The Site’s content, design, logo, and name belong to us or our licensors. You may view and share pages for personal, non-commercial use. You may not copy or reuse them otherwise without permission.

11. Disclaimer and limitation of liability

The Site is provided “as is.” We work to keep it accurate and available, but we don’t guarantee it’s error-free or uninterrupted. To the fullest extent the law allows, we aren’t liable for indirect or consequential damages arising from your use of the Site. Nothing in these Terms limits any rights you have under insurance law or the terms of a policy you purchase.

12. Changes to these Terms

We may update these Terms from time to time. The effective date above shows the latest version. Continuing to use the Site means you accept the updated Terms.

13. Governing law

These Terms are governed by the laws of the State of New York.

14. Contact us

Questions? Call (866) 255-5775.