Terms & Conditions
Using Our Site
Immigrant Life Insurance Company of America (“Immigrant Life,” “we,” “us,” or “our”) simplifies online life insurance. These Terms of Use (“Terms”) outline the rules for using our services, found at www.immigrantlife.com. By accessing our site, you agree to these Terms. If you have questions, please contact us.
Services Provided
Our “Services” include life insurance products and resources available through our site. You can manage your Immigrant Life account (“Account”) to view policy details, update contact information, and store relevant data.
By using our Services, you confirm:
- You meet all legal requirements to buy insurance in your jurisdiction.
- You own and will pay for your policy.
- The policy’s primary purpose is to protect your family.
- You do not plan to assign or sell the policy.
Your insurance rights and responsibilities are detailed in your policy document, accessible emailed to you after purchase.
Consent to Do Business Electronically
By using our Services, you consent to electronic communication. This includes emails, SMS, and digital documents. You are responsible for any fees from your service provider. You may opt out of electronic communication by contacting us in writing; however, this will end our ability to process new or pending applications.
Third-Party Services
Our site may link to external services or information. Immigrant Life is not responsible for the content or privacy practices of third-party sites. Use these links at your own risk. Review the terms and policies of any third-party service before sharing personal information or making transactions.
Product Availability
Immigrant Life offers insurance products only in U.S. states where licensed. Currently, Immigrant Life is only available in Connecticut. Not all products are available in all states. Premiums are estimates and finalized after underwriting. Policies are governed by their terms and may include a cancellation period, two-year contestability, and suicide exclusions.
Data Security
Your Account is protected, but safeguarding your password is your responsibility. Notify us immediately if you suspect unauthorized access. Keep your information accurate and up-to-date, as state-specific rules may affect your policy.
Intellectual Property
Immigrant Life owns all intellectual property related to its Services. You may not copy, reproduce, or misuse content from our site. Feedback you provide becomes Immigrant Life’s property.
Disclaimer of Warranties
Our electronic Services are provided “as-is” without warranties of any kind. Immigrant Life is not responsible for errors, interruptions, or harm caused by using our electronic Services.
Changes to Terms
We may update these Terms as needed. Updates will be posted on our site, and continued use of Services constitutes acceptance of changes.
Fees
You agree to pay all fees for Immigrant Life services as outlined in your agreement. By providing payment information, you authorize Immigrant Life or its payment processors to charge your selected payment method (credit, debit, etc.) for all fees due. Please update your payment details promptly to ensure accuracy. Immigrant Life reserves the right to adjust prices and billing methods at any time, except for in-force term policies. Ensure sufficient funds or credit are available to cover purchases, including recurring payments. Failure to provide accurate payment details or ensure payment constitutes a breach of these terms. Fees are non-refundable unless stated otherwise.