TermsofService

Welcome to Life Insurance by AltFTool. By accessing or using our website, digital customer portals, policy calculators, or insurance quote interfaces (collectively, the 'Platform'), you agree to be bound by these Terms of Service.

If you do not agree with all provisions of these Terms, you must discontinue using the Platform immediately.

You must be at least 18 years of age and legally eligible to enter into binding contracts to apply for term life, whole life, or legacy insurance coverage.

• Non-Binding Premium Estimates: Online quote projections and rate calculations provided on the Platform are estimates based on self-reported age, health status, and coverage amounts.

• Underwriting Approval: Final policy issuance, rate classification, and binding of life insurance coverage are contingent upon full medical underwriting, health questionnaire review, MIB verification, and carrier approval.

• Accurate Statements: You agree to provide complete, truthful, and accurate medical history and lifestyle declarations. Inaccurate statements may invalidate policy benefits or result in claim denial.

• Fraud Warning: Providing intentionally false or misleading information in connection with a life insurance application or claim constitutes insurance fraud under applicable laws.

• Beneficiary Designation: Policyholders are responsible for naming primary and contingent beneficiaries. You may update your beneficiary designations at any time through authorized portal requests.

• Claim Payouts: Death benefit payouts are disbursed directly to verified beneficiaries upon submission and approval of official claim documentation and death certificates.

• Credentials Protection: You are responsible for maintaining the confidentiality of your customer portal login credentials.

• Unauthorized Access: You must notify AltFTool immediately at hello@altftool.com if you suspect unauthorized access to your account.

• Electronic Delivery: By enrolling in portal access, you consent to receive electronic policy schedules, premium statements, and renewal notices.

• Payment Terms: Premiums are payable in advance on a monthly, quarterly, or annual basis as specified in your policy schedule.

• Grace Period & Lapse: A statutory grace period (typically 30-31 days) applies to overdue premiums. Unpaid premiums beyond the grace period may cause policy lapse.

• Policy Cancellation: Policyholders may surrender or cancel coverage at any time by written notice. Cash value refunds for permanent policies will be calculated per contract schedules.

• Ownership: All wordmarks, logos, design tokens, software code, policy calculators, article guides, and graphical assets on the Platform are the exclusive property of Life Insurance by AltFTool.

• Restrictions: You may not reproduce, modify, distribute, or reverse-engineer any portion of the Platform without prior written permission.

• Official Contract Governs: In the event of any conflict between website marketing text or summaries and your official insurance policy contract, the official contract terms shall govern completely.

• Limitation of Damages: To the maximum extent permitted by law, AltFTool shall not be liable for indirect, incidental, or consequential damages arising from digital portal downtime or network interruptions.

• Jurisdiction: These Terms shall be governed by and construed in accordance with applicable state and federal insurance regulations.

• Contact Desk: For legal notices regarding these Terms, contact legal@altftool.com or call (800) 419-2285.