These Terms of Use (“Terms”) are an agreement between Fostered Insurance, a Independent Brokerage doing business as (“we,” “us,” “our”), and you (“you,” “your”) regarding your use of fosteredlifeinsurance.com and any related pages, software, or services we provide (collectively, the “Site”). By accessing or using the Site, you agree to these Terms and to our Privacy Policy.

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If you do not agree, do not use the Site.

We are an independent life-insurance brokerage. We compare 63 A-rated carriers to help you find coverage. Quotes and information on the Site are for general comparison; final rates, eligibility, and policy terms are determined by the selected insurer after underwriting.

You must be at least 18 years old to use the Site or submit information. We do not knowingly collect information from anyone under 18.

When you submit your name, phone number, email, and message, and later provide additional details by phone (e.g., date of birth, health and lifestyle information), you represent that all information is true, accurate, current, and complete. You agree to promptly update us if anything changes.

By clicking submit or otherwise providing your contact information, you expressly consent to be contacted by us and/or our licensed agents at the phone number(s) and email you provide, including by autodialer, prerecorded or artificial voice, and text message (SMS/MMS), even if your number is on a federal or state Do-Not-Call registry. Message/data rates may apply. You can opt out of:

• Texts: reply STOP;

• Emails: click unsubscribe;

• Calls: tell the agent on the call.

Your consent is not a condition of purchase.

For quality and training, calls may be monitored or recorded. By proceeding, you consent to call recording where permitted by law.

By providing card or bank information by phone, you authorize the insurance carrier you select (and its payment processor) to initiate a one-time charge or debit for the amount we confirm with you during the call. We may collect and transmit your payment details to the carrier solely to facilitate that payment. We do not store full card or bank numbers, and we do not process payments ourselves.

If you enroll in recurring premium payments, that arrangement is between you and the carrier and is governed by the carrier’s terms, disclosures, and authorization on file with the carrier or its processor.

If you authorize ACH debits, that authorization is between you and the carrier (or its processor) under NACHA rules. You may revoke or modify the authorization by contacting the carrier per its instructions.

• Premium refunds: Refunds (including cooling-off/free-look periods) are governed by the carrier’s refund rules. We do not control carrier refund decisions or timelines.

• Chargebacks/returned ACH: If a chargeback or returned ACH occurs, the carrier’s and your bank’s policies apply. You remain responsible for any amounts due. We do not assess our own fees; any fees are imposed by your bank or the carrier’s processor.

• Disputes/errors: Contact Jacob.Foster.Insurancebroker@gmail.com within 7 days of the charge you’re questioning. We’ll coordinate with the carrier to investigate and work toward a resolution.

You agree to receive electronic communications and disclosures. Where enabled, you consent to use of electronic signatures to authorize forms or acknowledgments related to your request.

• We are a licensed insurance agency/brokerage, not an insurer.

• We do not provide tax, legal, or financial advice. Consider consulting your professional advisors.

• Quotes are non-binding and subject to underwriting and insurer approval. Coverage begins only when a policy is issued by the carrier and required premiums are paid.

We operate under the following legal names and license numbers.

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Fostered Life Insurance is a licensed insurance producer that can conduct business in all 50 states with its resident office located in Florida. Fostered Life Insurance conducts insurance business in Florida as “Fostered Life Insurance Services” under FL Insurance License # G246240.

Legal name(s): Jacob Foster
Principal address: 2409 E 2nd Ave, Tampa Florida 33605

NPN 21620395, Fostered Life Insurance Services

We do not solicit where we are not licensed.

All Site content (text, graphics, logos, software, and compilations) is owned by us or our licensors and protected by law. You may not copy, distribute, frame, scrape, or use our marks or carrier logos without permission. You may print a personal copy of pages for your records.

Do not: (a) access or use the Site for unlawful purposes; (b) try to probe, scan, or test the vulnerability of systems; (c) interfere with the Site; or (d) use automated means to scrape or collect data without written consent.

The Site may link to third-party websites or display third-party content (including carrier names and logos). We are not responsible for those sites or their content. Logos are the property of their respective owners and do not imply endorsement.

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. We do not warrant that quotes, rates, or content are error-free, complete, or current.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR LOST-PROFIT DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SITE. OUR TOTAL LIABILITY FOR ANY CLAIMS WILL NOT EXCEED $100 OR THE AMOUNT YOU PAID US (IF ANY) FOR THE RELEVANT SERVICE, WHICHEVER IS GREATER.

Your use of the Site is also governed by our Privacy Policy, which explains what personal information we collect (including health-related data you choose to provide to obtain quotes), how we use it to shop carriers on your behalf, and your choices. We use reasonable safeguards, but no system is 100% secure.

We may update the Site and these Terms from time to time. Changes are effective when posted with the “Last updated” date. Continued use after changes means you accept the updated Terms.

We may suspend or terminate access to the Site at any time for any reason. Sections that by their nature should survive (e.g., intellectual property, disclaimers, limitations of liability, governing law) will survive termination.

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws rules. You agree to the exclusive jurisdiction and venue of the state or federal courts located in Tampa, Florida for any dispute not subject to arbitration.