Terms of Service

What Nurses Life Does

Nurses Life is a marketing service that helps connect consumers interested in life insurance with independent licensed insurance agents. Nurses Life is not an insurance carrier. Insurance products, coverage, eligibility, rates, and policy issuance are determined by independent insurance agents and insurance carriers.

Acceptance of Terms

By using our website, you confirm that you are at least 18 years of age and agree to comply with these Terms and all applicable laws and regulations. If you do not agree, please do not use our services.

Use of Our Services

You agree to use our services only for lawful purposes. You agree not to:

• Provide false or misleading information
• Use the site in any way that could damage or impair its functionality
• Attempt to gain unauthorized access to any portion of the site
• Use the services for any fraudulent or unlawful activity

Independent Insurance Agents

When you submit an insurance inquiry, we may provide your information to one independent licensed insurance agent assigned to your request. That insurance agent is an independent professional and is not an employee or agent of Nurses Life or Veterans Life, LLC. The agent may discuss insurance products offered by one or more third-party insurance carriers.

No Government Affiliation

Nurses Life and Veterans Life, LLC are private businesses. We are not affiliated with, endorsed by, or sponsored by any government agency.

No Guarantee of Insurance Coverage

Submitting a request through Nurses Life does not guarantee eligibility, approval, coverage, rates, benefits, or issuance of an insurance policy. Any insurance coverage is subject to the terms, conditions, underwriting requirements, and approval of the applicable insurance carrier.

Communications Consent (TCPA)

By submitting your information (for example, by clicking "Submit" on a form or lead ad), you expressly consent to receive calls and texts from Nurses Life and the independent licensed agent assigned to your inquiry at the number provided—including autodialed, prerecorded, and AI/artificial voice calls, as well as SMS text messages—for informational and marketing purposes regarding insurance products. This consent applies even if your number is listed on a state or federal Do Not Call registry.

Consent is not a condition of purchase. Message and data rates may apply, and message frequency varies. You may revoke consent and opt out at any time by replying STOP to any text message, requesting to be added to our do-not-call list during a call, or contacting us using the information below. See the SMS/Text Messaging Terms section for additional details.

SMS/Text Messaging Terms

These SMS terms apply when you opt in to receive text messages from Nurses Life. By providing your mobile number and opting in, you agree to the following:

• Program description: You will receive informational and marketing text messages related to insurance quotes, appointment scheduling, follow-ups, and related services.
• Message frequency: Message frequency varies based on your interactions with us.
• Cost: Message and data rates may apply. Check with your mobile carrier for details on your plan.
• Opt out: Reply STOP to any message to unsubscribe at any time. After you send STOP, we will send a confirmation message and then stop sending you text messages.
• Help: Reply HELP for assistance, or contact us using the information below.
• Carrier disclaimer: Carriers (including wireless carriers) are not liable for delayed or undelivered messages.
• Privacy: No mobile information will be sold or shared with third parties or affiliates for their own marketing or promotional purposes. See our Privacy Policy for how we handle your information.

Website Information

We try to provide accurate and useful information, but information on this website is provided for general informational purposes only and should not be considered an offer of insurance or a guarantee of insurance coverage, benefits, pricing, or eligibility. Insurance products and availability may vary by state, carrier, and individual circumstances.

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Veterans Life, LLC (operating as Nurses Life) or its licensors and is protected by applicable intellectual property laws. You may not reproduce or distribute content without our written permission.

Limitation of Liability

To the extent permitted by law, Nurses Life is not responsible for decisions, representations, products, services, or actions of independent insurance agents or insurance carriers. We are also not responsible for losses resulting from reliance on general information provided through this website, or for any indirect, incidental, or consequential damages arising from your use of the website or services, except where liability cannot legally be limited.

Governing Law

These Terms are governed by the laws of the State of Tennessee, except where applicable law requires otherwise.

Changes to These Terms

We may update these Terms from time to time. The current version will be posted on this website with its updated effective date. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

Contact Us

If you have questions about these Terms, please contact us at info@nurses-life-insurance.com or call 615-659-7392.