Terms of use
These terms apply when you use plainlifeinsurance.com and our pages on its subdomains. The site is run by Galubenra, LLC, a Wyoming limited liability company, under the trade name Plain Life Insurance (“we”, “us”). By using the site you agree to these terms. If you don’t agree, please don’t use it.
Information, not advice
Everything on this site is general information about life insurance. It is not financial, investment, tax, legal or insurance advice, and it doesn’t take your circumstances into account. Policy features, costs and rules vary by insurer and by state and can change. Talk to a licensed professional before making a decision. [REVIEW]
We are not an insurer or an agent
We don’t issue, sell, quote, underwrite or service insurance policies, and we don’t take applications or payments. We don’t recommend any specific product or insurance company. Nothing on this site is an offer of insurance. [REVIEW]
Independent agents
If you ask to be connected, we pass your details to a licensed insurance agent or agency. Agents are independent businesses, not our employees or representatives. They are responsible for their own advice, products, licensing and conduct, and for how they handle your information. We don’t guarantee that an agent will contact you, that you will qualify for coverage, or any price or terms. Agents pay us for these connections. [REVIEW]
Consent to calls and texts
When you submit a form and agree to be contacted, you agree that a licensed agent named in the consent wording may call and text you about life insurance at the number you gave, including by automated technology and prerecorded or artificial voice messages, even if your number is on a do-not-call list. Your consent is not a condition of any purchase. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. You can also withdraw consent by emailing nick@plainlifeinsurance.com. [REVIEW: must match the consent wording on each form]
Your information
You agree that the information you give us is true and that the phone number is yours. How we handle your information is described in our privacy policy.
Using the site
You may use the site for your own personal, non-commercial purposes. You agree not to misuse it: for example, by submitting someone else’s details, interfering with how it works, or copying its content in bulk. The text, design and logo belong to us; please don’t reuse them without permission.
Links to other sites
We may link to other websites. We don’t control them and aren’t responsible for their content or practices.
No warranties
We try to keep the information accurate and current, but the site is provided “as is” and “as available”, without warranties of any kind, to the fullest extent the law allows. [REVIEW]
Limits on our liability
To the fullest extent the law allows, Galubenra, LLC is not liable for any indirect, incidental, special or consequential losses arising from your use of the site, or from any dealings you have with an agent or insurer. Where liability can’t be excluded, it is limited to one hundred US dollars. [REVIEW]
Indemnity
You agree to cover our losses and costs if you break these terms or submit false information. [REVIEW]
Governing law
These terms are governed by the laws of the State of Wyoming, United States, without regard to its conflict of law rules. Any dispute will be handled in the state or federal courts located in Wyoming, unless the law where you live says otherwise. [REVIEW]
Changes to these terms
We may update these terms. The effective date at the top shows when they last changed. Using the site after a change means you accept the new terms.
Contact us
Galubenra, LLC dba Plain Life Insurance
Email: nick@plainlifeinsurance.com
30 N Gould St, Ste R, Sheridan, WY 82801