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Terms & Conditions

Use of this Website

Prepare Insurance LLC (Prepare) has laid out the rules and expectations in the page below to protect you, the insurance carriers we represent, and ourselves. If you have any questions, please email us at hello@prepareinsure.com.

By using this site, you agree to the Terms & Conditions and are bound by them. Please note that these Terms & Conditions are subject to changes and updates at any time as we reserve the right to make these changes and updates.

By using this site, you understand that Prepare sells insurance and you must be at least 18 years of age to use our site for the purposes it is intended.

If you do not agree to anything in the Terms & Conditions, please exit the site.

Insurance Products

Prepare is licensed to sell insurance in select states. Prepare is not an insurance company.  We provide products and services from select insurance carriers. If eligible, you are able to apply for insurance products on this site knowing that in doing so, you agree to allow us and the insurance carrier to which you are applying to communicate with you, with a licensed officer of Prepare designated as your agent of record.

Note the following:

  • Product availability, features, benefits and rates may vary by state of residence.
  • Prepare is paid commissions for the policies sold on this site.
  • Products are available for U.S. citizens or individuals residing in the U.S. with permanent resident status.
  • The quote you receive may not be the final price. The price may change based on review of your application and other underwriting variables.

Data

Personal information, such as age, gender, and nicotine use, that you submit on this site is currently not stored by Prepare. This information is used for the service of obtaining a personalized quote and applying for insurance coverage. We pass that information along at the end of the application process to get you a decision on whether you qualify to obtain insurance coverage. We may, from time to time, reach out to inform you on other pertinent offers or notify you when your policy is at risk of lapsing. Upon receipt of shared information, the Insurance Company may seek to initiate contact with you.

As a user, you are able to decline or prevent the disclosure of your information by Prepare to third parties by choosing not to use our site. By using our site, you agree that all of the information that you provide is true and accurate and that you will update this information when required.

While we strive to protect all information on this site, you understand that we are not responsible should an unauthorized third-party obtain your information without our consent. Should our website be hacked, we will notify you immediately of how it was affected and next steps. You agree that we are not responsible for any actions and will not hold us accountable if your information is taken in this way without our consent, permission, or knowledge.

Warranties and Liabilities

Prepare cannot provide you any warranty as our services are provided “as-is”. As a user of our services, you are aware that there are no express or implied warranties and you are using our site at your own risk. Even though Prepare makes our best effort to provide you with the most complete information on our Site, we cannot make guarantees that our services will be free from errors or meet your expectations. Our Site may experience technical issues or contain mistakes in wording. Prepare may update our Site at any time to resolve these errors and provide you with the best experience possible.

Our services may include information to help you think about what insurance policy, benefit amount, and other items that are best for you, but we are not a replacement for specialists such as legal, accounting, or  tax advisors. However, we will  help explain anything about the products and anything on our site.

Prepare is not liable to you or other third parties for damages, whether indirect, consequential, exemplary, or special. This includes damages from loss of use, profits, revenue, and data. You, as the user of this Site, acknowledge that the limitations of liability above are reasonable and that you have agreed to them. Some states and jurisdictions do not allow the limitations of liability stated here.

Copyright Infringement, Trademarks, and Proprietary Information

Content on Prepare’s site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this site for commercial or public purposes. You may not reproduce or distribute the text or graphics to others or copy the information on to your own server, or link to this Site, without the prior written permission of Prepare.

Content is also protected by trademark laws, the laws of privacy and publicity, and communication regulations and statutes. Prepare owns all service marks and logos located on the site unless otherwise indicated. Removal or reproduction, by any means, of any materials, logo, trademark, service mark, or the name of Prepare or its affiliates, is expressly prohibited without the prior written consent of Prepare. Nothing on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without our written permission. Other parties’ trademarks and services marks that may be referred to on this site are the property of their respective owners.

Prohibited Activity

As a user, you agree that you will not use the Site:

  1. To attempt to apply for insurance under another identity or on someone else’s behalf
  2. To attempt to compromise the site’s security
  3. To communicate with Prepare and partners in an abusive or offensive manner
  4. To gather information about Prepare , our partners, and customers for the purpose of competition
  5. To create or transmit spam

For California Residents

California Consumer Privacy Act Notice (California Civil Code sections 1798.100-1798.198):

Prepare Insurance LLC (and its websites, blogs, and microsites) are committed to providing you transparency over the information that we collect. We only collect information that you choose to give us to perform the purpose of your interaction with us. We do not sell your information and only use it in the way described below.

What information do you collect and use?

  • We collect your email address, state, and who referred you to us.

How do you use that information?

  • We use this information to contact you about the product we provide.

Prepare Insurance does not sell your personal information. It is used only for internal operating purposes. You have the right to access your information, ask what we use it for, ask if we sell or disclose this information and to who, and to opt-out of this practice. Send an email to support@prepareinsure.com with the subject line “California Privacy” or call 402-454-7433.

If you reside in California, according to the California Civil  Code §1789.3, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs . (https://www.dca.ca.gov/) If you have any other questions, don’t hesitate to contact us at hello@prepareinsure.com.

Insurance Carriers We Represent

Policies offered through Prepare are underwritten by Assurity Life Insurance Company, an ”A‑” (Excellent) rated company by A.M. Best.* Assurity’s roots date back to 1890 and they are excellent at what they do!

* A.M. Best ratings for insurers’ financial strength range from A++(Superior)to F (in liquidation)

To view Assurity’s privacy policy and terms of use, please visit: https://www.assurity.com/legal-information

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, New York. Product availability, features and rates may vary by state.

Last Revised: 07-01-2020

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© 2023 Prepare Insurance

Prepare Insurance LLC does business as Prepare Insurance Solutions in California (CA License #6001570)
NOT AVAILABLE IN NEW YORK.
CRITICAL ILLNESS INSURANCE PROVIDES LIMITED BENEFIT COVERAGE. It is not a comprehensive major medical plan or Medicare supplement policy and does not satisfy the requirement for minimum essential coverage under the Affordable Care Act (ACA). The description of benefits is intended only to highlight the insured’s benefits and should not be relied upon to fully determine coverage. If this description conflicts in any way with the terms of the policy, the terms of the policy prevail. This policy may contain reductions of benefits, limitations and exclusions. Availability of this product, final underwriting requirements, benefits and cost will depend on your application.

Policy Form No. I H1820 underwritten by Assurity Life Insurance Company, Lincoln, NE.

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.

Conditions, Limitations and Exclusions
The following limitations and exclusions apply to the policy as approved in most states. Limitations and exclusions may vary by state. For a list of all limitations and exclusions, refer to the actual policy.

Pre-existing Condition – Assurity will not pay benefits for a critical illness that is caused by a pre-existing condition unless the date of diagnosis is after this policy has been in force for 12 months from the issue date or last reinstatement date.

Reduced Benefit After Age 70 – On the policy anniversary immediately following the later of the insured’s 70th birthday, or three years from the policy’s issue date, the policy benefit amount will be automatically reduced by 50 percent. This will be the benefit amount available for the remaining years the policy is in force.

Exclusions – Assurity will not pay benefits for conditions that are caused by or are the result of the insured person: being exposed to war or any act of war, declared or undeclared; actively serving in any of the armed forces or units auxiliary thereto, including the National Guard or Army Reserve, except during active duty training of less than 60 days; engaging in hang-gliding, hot air ballooning, bungee jumping, parachuting, scuba diving, sail gliding, motor vehicle racing, parasailing, parakiting, mountain or rock climbing, B.A.S.E. jumping, sky diving or cave diving; being addicted to drugs or suffering from alcoholism; being intoxicated (as determined by the laws governing the operation of motor vehicles in the jurisdiction where loss occurs) or under the influence of an illegal substance or a narcotic (except for narcotics used as prescribed to the insured person by a physician); committing or attempting to commit a felony; being incarcerated in a penal institution or government detention facility; engaging in an illegal occupation; intentionally self-inflicting an injury; or committing or attempting to commit suicide, while sane or insane.