Terms &
Conditions

Effective Date: September 24, 2026

These Terms and Conditions (“Terms”) govern your access to and use of the website located at www.switch-lifes.com and any related webpages, forms, services, communications, and features made available through the website.

The website is owned and operated by:

Switch Health LLC dba Switch Life
9950 Westpark Drive, STE 326
Houston, Texas 77063
Email: info@switch-lifes.com
Phone: +1 (832) 408-7908
Website: www.switch-lifes.com

Throughout these Terms, “Switch Life,” “Company,” “we,” “us,” and “our” refer to Switch Health LLC doing business as Switch Life.

By accessing or using this website, submitting information through our forms, requesting a quote, communicating with us, or using any of our services, you agree to these Terms. If you do not agree with these Terms, please do not use our website or services.

1. Our Services

Switch Life provides information and assistance relating to life insurance products and insurance coverage options.

Depending on availability, licensing, carrier relationships, state requirements, and individual eligibility, our services may include assistance with products such as:

• Term life insurance

• Whole life insurance

• Final expense insurance

• Permanent life insurance

• Individual and family life insurance solutions

• Other life insurance products offered by participating insurance carriers

Switch Life may assist consumers with understanding available products, requesting insurance quotes, completing applications, and communicating with insurance carriers.

Switch Life is not itself an insurance carrier unless expressly stated otherwise.

Insurance policies are issued, administered, and underwritten by third-party insurance companies.

2. Insurance Licensing

Insurance products may only be offered or sold by appropriately licensed insurance producers in jurisdictions where they are authorized to conduct insurance business.

Switch Life and its licensed agents may not be authorized to offer every insurance product in every state.

The availability of insurance products, carriers, policy types, benefits, underwriting classifications, and premium rates may vary depending on your state of residence and other factors.

Nothing on this website constitutes an offer to sell insurance in a jurisdiction where such an offer would be unlawful.

3. No Guarantee of Coverage

Submitting information through our website, requesting a quote, speaking with an agent, or completing an insurance application does not guarantee that you will receive insurance coverage.

Insurance coverage is subject to:

• Carrier underwriting requirements

• Eligibility requirements

• Application review

• Health information, when applicable

• Age

• State of residence

• Coverage amount

• Carrier guidelines

• Payment of required premiums

• Other underwriting criteria

Only the insurance carrier can approve or decline an insurance application.

Coverage generally does not become effective until the insurance carrier has approved the application, issued the policy, satisfied any applicable conditions, and received any required premium.

4. Insurance Quotes

Any premium estimate, illustration, or insurance quote provided through the website, by telephone, electronically, or by an agent is an estimate unless otherwise stated.

Actual premiums and coverage terms may differ based on information obtained during underwriting.

A quote does not constitute:

• A guarantee of coverage

• A binding insurance contract

• A guarantee of a specific premium

• A guarantee of approval

• A guarantee of policy benefits

Final premium rates, coverage amounts, exclusions, riders, policy terms, and effective dates are determined by the issuing insurance carrier.

5. Accuracy of Information

You agree to provide complete, accurate, and truthful information when requesting insurance quotes or applying for coverage.

This may include information concerning:

• Name

• Date of birth

• Address

• Contact information

• Tobacco use

• Health history

• Medical history

• Occupation

• Financial information

• Existing insurance coverage

• Beneficiary information

• Other information required by an insurance carrier

Providing inaccurate, incomplete, false, or misleading information may affect your eligibility, premium, claim eligibility, or the validity of an insurance policy.

You are responsible for reviewing all information before submitting an insurance application.

6. Insurance Carrier Decisions

Switch Life does not control insurance carrier underwriting decisions.

Carriers may independently:

• Approve an application

• Decline an application

• Request additional information

• Require a medical examination

• Modify an underwriting classification

• Adjust premiums

• Limit coverage

• Delay policy issuance

• Cancel or rescind coverage where legally permitted

Switch Life is not responsible for an insurance carrier’s underwriting or claims decisions.

7. Policy Terms Control

Information on our website is intended to provide general descriptions of insurance products.

It does not replace the actual insurance policy.

If there is any conflict between information provided on this website and the terms of an issued insurance policy, the policy documents issued by the insurance carrier will control.

Consumers should carefully review their policy, including:

• Coverage amounts

• Premiums

• Exclusions

• Limitations

• Riders

• Contestability provisions

• Grace periods

• Cancellation provisions

• Beneficiary provisions

• Cash value provisions

• Policy loans

• Surrender provisions

You should contact your insurance carrier or licensed agent with questions regarding your specific policy.

8. Not Financial, Tax, or Legal Advice

Information provided by Switch Life is intended for general insurance-related informational purposes.

Nothing on this website should be interpreted as legal, tax, estate planning, investment, or financial advice.

You should consult an appropriate attorney, accountant, tax professional, financial professional, or other qualified advisor regarding your individual circumstances.

9. No Fiduciary Relationship

Use of this website or communication with Switch Life does not create a fiduciary, attorney-client, accountant-client, financial adviser-client, or similar professional relationship.

Our role is limited to providing insurance information and insurance-related services where permitted by law.

10. Carrier Relationships

Switch Life may maintain relationships with multiple insurance carriers, agencies, general agencies, marketing organizations, or insurance distribution partners.

We are not required to offer products from every insurance carrier in the marketplace.

The insurance products presented to you may depend on factors including:

• Carrier appointments

• State availability

• Licensing

• Underwriting

• Product availability

• Consumer eligibility

• Carrier participation

Consumers are not obligated to purchase insurance through Switch Life.

11. Compensation

Where permitted by law, Switch Life and/or its licensed insurance producers may receive commissions or other compensation from insurance carriers or insurance distribution partners when insurance coverage is placed.

The amount and method of compensation may vary by carrier and product.

Such compensation is generally paid by the insurance carrier and does not necessarily increase the premium charged to the consumer.

12. Website Information

We attempt to keep the information on our website accurate and current.

However, insurance products, carrier availability, premiums, underwriting requirements, benefits, laws, and regulations may change.

We do not guarantee that all website information will always be:

• Complete

• Current

• Accurate

• Error-free

• Available

We reserve the right to modify website content at any time.

13. Eligibility to Use the Website

You must be at least 18 years old to submit an insurance inquiry or insurance application through Switch Life unless otherwise permitted by applicable law.

By using the website, you represent that you have the legal authority to enter into these Terms.

14. Quote and Contact Forms

When you submit a form through our website, you authorize Switch Life to use the information you provide for purposes that may include:

• Responding to your inquiry

• Providing insurance information

• Requesting insurance quotes

• Contacting participating insurance carriers

• Assisting with an application

• Scheduling appointments

• Providing customer service

• Following up regarding your insurance request

Submission of a form does not obligate you to purchase insurance.

15. Electronic Communications

By providing your email address or other electronic contact information, you consent to receive communications relating to your inquiry, application, quote, policy servicing, customer service request, or other interaction with Switch Life.

Electronic communications may include:

• Email

• SMS text messages

• Electronic forms

• Electronic signatures

• Insurance documents

• Quote information

• Appointment reminders

• Application updates

• Customer service communications

You are responsible for maintaining accurate contact information.

16. SMS/Text Messaging Terms

If you provide your mobile telephone number and consent to receive text messages from Switch Life, you may receive messages related to:

• Insurance inquiries

• Quote requests

• Application updates

• Appointment reminders

• Customer service

• Account or policy-related notifications

• Follow-up communications

• Marketing messages where you have provided appropriate consent

Message frequency may vary.

Message and data rates may apply.

You may opt out of SMS communications at any time by replying:

STOP

For assistance, reply:

HELP

or contact us at:

+1 (832) 408-7908
info@switch-lifes.com

Consent to receive marketing text messages is not a condition of purchasing insurance.

Carriers or other parties involved in servicing your insurance application may have separate communication policies.

17. Telephone Communications

When you voluntarily provide your telephone number and request information, you authorize Switch Life and its representatives to contact you regarding your inquiry, subject to applicable consent requirements.

Telephone communications may include calls regarding:

• Insurance quotes

• Applications

• Appointments

• Customer service

• Requested insurance information

Where legally required, additional consent may be obtained before marketing calls are made using automated technology.

18. Electronic Signatures

Certain forms, applications, disclosures, and authorizations may be completed electronically.

By electronically signing a document, you agree that your electronic signature has the same legal effect as a handwritten signature where permitted by applicable law.

You are responsible for reviewing documents before signing them.

19. Third-Party Insurance Carrier Websites

Our website may link to websites, quote platforms, carrier portals, or other services operated by third parties.

These websites are not controlled by Switch Life.

Third-party websites may maintain separate:

• Terms of use

• Privacy policies

• Data security practices

• Cookie policies

Switch Life is not responsible for the content, availability, security, or practices of third-party websites.

20. Third-Party Services

We may use third-party technology providers to support functions such as:

• Website hosting

• Quote requests

• Electronic forms

• Electronic signatures

• Customer relationship management

• Email

• SMS communications

• Analytics

• Scheduling

• Insurance quoting

• Carrier applications

Use of certain third-party services may also be subject to the terms and privacy policies of those providers.

21. Privacy

Your use of the website is also subject to our Privacy Policy.

Our Privacy Policy explains how we collect, use, disclose, retain, and protect personal information.

You should review the Privacy Policy before submitting personal information through the website.

22. Personal Information

Insurance applications may require personal information.

Depending on the insurance product and carrier, information requested may include sensitive personal information.

Do not send highly sensitive information through ordinary email unless specifically instructed to do so through an approved secure method.

We may use secure forms, carrier platforms, or other systems where appropriate for sensitive information.

23. Intellectual Property

Unless otherwise indicated, the website and its content are owned by or licensed to Switch Health LLC dba Switch Life.

This may include:

• Text

• Graphics

• Logos

• Branding

• Images

• Website design

• Layouts

• Videos

• Icons

• Documents

• Software

• Other content

These materials are protected by applicable intellectual property laws.

You may use the website for personal, non-commercial purposes.

You may not reproduce, copy, republish, distribute, modify, sell, license, scrape, or commercially exploit website content without our prior written permission.

24. Trademarks

The names Switch Health LLC, Switch Life, associated logos, service marks, branding, and other identifiers used on this website may be protected trademarks or trade names.

Nothing in these Terms grants permission to use our trademarks without written authorization.

25. Prohibited Uses

You agree not to use the website:

• For illegal or fraudulent purposes

• To impersonate another person

• To provide intentionally false information

• To interfere with website functionality

• To attempt unauthorized access to our systems

• To distribute malware

• To scrape or harvest website data without authorization

• To interfere with another user's use of the website

• To violate applicable laws or regulations

• To misuse insurance quoting or application systems

We may restrict access to users who violate these Terms.

26. Website Availability

We do not guarantee that the website will always operate without interruption.

The website may temporarily be unavailable because of:

• Maintenance

• Software updates

• Hosting issues

• Internet outages

• Security incidents

• Third-party service outages

• Circumstances beyond our control

We may change, suspend, or discontinue any website feature without prior notice.

27. Disclaimer of Warranties

To the fullest extent permitted by law, the website and its content are provided on an “as is” and “as available” basis.

Switch Life makes no guarantee that:

• The website will always be available

• Information will always be current

• Every user will qualify for insurance

• Every carrier will offer coverage

• A particular premium will be available

• An application will be approved

• A specific insurance product will remain available

Nothing in this section limits rights that cannot legally be waived.

28. Limitation of Liability

To the extent permitted by applicable law, Switch Health LLC dba Switch Life, its owners, employees, agents, contractors, representatives, and affiliates will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of the website.

This may include damages resulting from:

• Website interruptions

• Third-party services

• Carrier decisions

• Delays in underwriting

• Incorrect information provided by a user

• Reliance on general website information

• Unauthorized third-party activity

Nothing in these Terms excludes liability where exclusion is prohibited by law.

29. Consumer Responsibility

Insurance is an important financial decision.

You are responsible for reviewing all information relating to any insurance policy before accepting coverage.

You should consider factors including:

• Coverage amount

• Premium affordability

• Policy duration

• Beneficiary needs

• Existing insurance

• Financial obligations

• Policy exclusions

• Policy limitations

You should ask questions whenever policy terms are unclear.

30. Beneficiary Information

It is your responsibility to provide accurate beneficiary information to the insurance carrier and to update beneficiary designations when appropriate.

Switch Life cannot determine who should be named as your beneficiary and does not provide legal or estate-planning advice.

31. Claims

Insurance claims are administered by the insurance company that issued the policy.

Switch Life may provide general assistance in directing policyholders or beneficiaries to the appropriate carrier, but final claim decisions are made by the insurance carrier according to the policy contract and applicable law.

32. Cancellation and Policy Changes

Requests to cancel, replace, modify, surrender, or change insurance coverage may be subject to carrier procedures and policy terms.

Do not assume coverage has been canceled or changed until you receive confirmation from the insurance carrier.

Consumers should carefully evaluate potential consequences before replacing or surrendering existing insurance.

33. Policy Replacement

Replacing an existing life insurance policy may have financial, tax, underwriting, contestability, surrender-charge, or coverage consequences.

You should carefully review replacement disclosures and compare your current policy with any proposed replacement before making a decision.

34. Children and Minors

This website is not designed to collect personal information directly from children under 13.

Insurance inquiries involving minors should be submitted by a parent, guardian, or other legally authorized adult where permitted by law.

35. Security

We use reasonable administrative, technical, and organizational measures intended to protect information.

However, no website, electronic communication, database, or internet transmission can be guaranteed to be completely secure.

You should take appropriate precautions when transmitting information electronically.

36. Changes to These Terms

We may revise these Terms periodically.

When we make material updates, we may change the “Effective Date” displayed at the top of this page.

Continued use of the website after revised Terms become effective constitutes acceptance of the updated Terms.

37. Governing Law

These Terms will be governed by applicable federal law and the laws of the State of Texas, without regard to conflict-of-law principles, except where another jurisdiction’s law is required to apply.

38. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

39. No Waiver

Failure by Switch Life to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

40. Entire Agreement

These Terms, together with our Privacy Policy and any other disclosures or agreements applicable to specific services, constitute the agreement between you and Switch Life regarding use of this website.

41. Contact Us

If you have questions regarding these Terms & Conditions, please contact:

Switch Health LLC dba Switch Life
9950 Westpark Drive, STE 326
Houston, Texas 77063

Phone: +1 (832) 408-7908
Email: info@switch-lifes.com
Website: www.switch-lifes.com