Terms & Services

1. Acceptance of Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Philadelphia Life Insurance Company (“Philadelphia Life,” “we,” “us,” or “our”) governing your access to and use of our website at philadelphialifeinsurancecompany.com and all related pages, tools, forms, and services (collectively, the “Site”).

By accessing, browsing, or using the Site — including submitting quote requests, adding plans to your coverage cart, subscribing to our newsletter, or contacting us — you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not use the Site.

We may modify these Terms at any time as described in Section 15. Your continued use of the Site after changes become effective constitutes acceptance of the revised Terms.

2. Services Description

Philadelphia Life Insurance Company provides informational content, insurance product overviews, illustrative pricing, and tools that allow you to explore life, health, auto, home, business, and travel insurance options available in the United States. Through the Site, you may:

• Learn about insurance products, coverage features, and general pricing ranges.
• Submit contact forms, quote requests, and general inquiries.
• Add insurance plans to an online coverage cart and submit a non-binding coverage request for follow-up by a licensed advisor.
• Subscribe to educational newsletters and insurance-related communications.
• Access resources such as FAQs, blog articles, and service descriptions.

The Site is designed to facilitate discovery and inquiry. It does not replace personalized advice from a licensed insurance professional, nor does it guarantee availability of any specific product in your jurisdiction.

3. Quote & Cart Requests

All quotes, premium estimates, and plan summaries displayed on the Site are illustrative only and are provided for informational purposes. Actual premiums, coverage terms, exclusions, and policy conditions are determined through underwriting review, carrier approval, and the issuance of a formal policy document.

When you add plans to your coverage cart and submit a request:

• You are not completing a binding purchase or entering into an insurance contract online.
• No payment is processed through the Site, and no coverage is in effect until a policy is formally issued and accepted according to applicable law and carrier requirements.
• A licensed representative may contact you to verify information, discuss options, answer questions, and guide you through the application process if you choose to proceed.
• We reserve the right to decline to proceed with any request that contains incomplete, inaccurate, or fraudulent information.

Submitting a cart or quote request creates no obligation on your part to purchase coverage, and no obligation on our part to offer a specific rate or policy until underwriting and approval are complete.

4. Eligibility

The Site is intended for use by individuals who are at least 18 years of age and reside in the United States. By using the Site, you represent and warrant that you meet these eligibility requirements and that all information you provide is truthful, accurate, and complete to the best of your knowledge.

Certain insurance products may only be available in specific states or to individuals who meet carrier-specific eligibility criteria. Product availability is subject to change without notice.

5. User Accounts & Requests

While the Site does not require account registration for general browsing, you may submit personal information through forms and the coverage cart. You agree to:

• Provide accurate, current, and complete information in all submissions.
• Promptly update information if it changes before a policy application is completed.
• Maintain the security of any credentials if account features are introduced in the future.
• Accept responsibility for all activity conducted using your contact information or submitted requests.

We reserve the right to suspend or refuse service to any User who violates these Terms, submits fraudulent information, or engages in conduct that we reasonably believe is harmful to the Site, our personnel, or other users.

6. Intellectual Property

All content on the Site — including text, graphics, logos, icons, images, audio clips, software, page layouts, and the compilation thereof — is the property of Philadelphia Life Insurance Company or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may view, download, and print content from the Site solely for personal, non-commercial use, provided you do not modify the materials and you retain all copyright and proprietary notices. You may not:

• Reproduce, distribute, publicly display, or create derivative works from Site content without our prior written consent.
• Use our trademarks, service marks, or branding in any manner that suggests endorsement or affiliation without authorization.
• Scrape, crawl, or use automated tools to extract data from the Site except as permitted by applicable law or with our express permission.

7. Prohibited Uses

You agree not to use the Site for any unlawful purpose or in any way that could damage, disable, or impair the Site. Prohibited conduct includes, but is not limited to:

• Submitting false, misleading, or fraudulent information in quote requests, cart submissions, or contact forms.
• Attempting to gain unauthorized access to our systems, networks, or data.
• Transmitting viruses, malware, or other harmful code.
• Harassing, threatening, or impersonating Philadelphia Life personnel or other users.
• Using the Site to solicit unauthorized commercial activity or spam.
• Interfering with other users’ access to or use of the Site.
• Violating any applicable federal, state, or local law or regulation, including insurance fraud statutes.

8. Disclaimers

THE SITE AND ALL CONTENT, QUOTES, TOOLS, AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, PHILADELPHIA LIFE DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not guarantee the accuracy, completeness, or timeliness of any content, including pricing information, product descriptions, or third-party materials linked from the Site.

Information on the Site is general in nature and does not constitute legal, tax, financial, or insurance advice tailored to your specific circumstances. You should consult qualified professionals before making insurance or financial decisions.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PHILADELPHIA LIFE INSURANCE COMPANY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100.00) OR (B) THE AMOUNT YOU PAID TO US, IF ANY, FOR SERVICES DIRECTLY RELATED TO THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Philadelphia Life Insurance Company and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of the Site or violation of these Terms.
• Any information you submit that is inaccurate, incomplete, or fraudulent.
• Your violation of any third-party rights, including intellectual property or privacy rights.
• Your violation of applicable laws or regulations.

We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim.

11. Insurance Disclaimers

Philadelphia Life Insurance Company is an insurance agency and advisory service. Policy contracts are underwritten and issued by third-party insurance carriers unless otherwise stated. Coverage terms, conditions, exclusions, and limitations are governed by the official policy documents issued by the carrier, not by summaries on this Site.

Important insurance-related disclaimers:

• Quotes are illustrative: Premiums and coverage details shown on the Site are estimates based on limited information and may change after full underwriting review.
• Coverage subject to underwriting: All applications are subject to approval by the issuing carrier. A policy is not in force until approved, premium is paid as required, and any applicable waiting periods have passed.
• State variations: Insurance products, rates, and regulations vary by state. Not all products described on the Site are available in every jurisdiction.
• No guarantee of insurability: Submission of a quote or cart request does not guarantee that you will qualify for coverage or receive a particular rate class.
• Claims: Claim handling procedures and outcomes depend on policy terms and carrier processes. Contact us for guidance on filing a claim under an active policy.

Licensed insurance professionals affiliated with Philadelphia Life can provide state-specific disclosures and product details during your consultation.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Philadelphia Life Insurance Company maintains its principal place of business, without regard to conflict-of-law principles that would require application of another jurisdiction’s laws.

Any dispute arising out of or relating to these Terms or the Site that cannot be resolved informally shall be submitted to the exclusive jurisdiction of the state and federal courts located in the applicable state, and you consent to personal jurisdiction in such courts.

Nothing in these Terms limits any rights you may have under mandatory consumer protection or insurance regulations in your state of residence where such regulations apply and cannot be waived by contract.

13. Termination

We may suspend or terminate your access to the Site, in whole or in part, at any time and for any reason, including violation of these Terms, without prior notice. Upon termination, your right to use the Site ceases immediately.

Sections that by their nature should survive termination — including Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Governing Law, and Contact — shall survive any termination of your access to the Site.

14. Changes to These Terms

We reserve the right to update or modify these Terms at any time. When we make material changes, we will update the “Last Updated” date at the top of this page. Your continued use of the Site after the revised Terms are posted constitutes your acceptance of the changes.

We encourage you to review these Terms periodically. If you do not agree to updated Terms, you must discontinue use of the Site.

15. Contact

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

Philadelphia Life Insurance Company
Email: info@philadelphialifeinsurancecompany.com

Related policies: Privacy Policy