Terms of Use
Last updated: July 8, 2026
These Terms of Use govern your use of longtermcareinsurance411.com (the "Site"). By using the Site, you agree to these terms. If you do not agree, please do not use the Site.
1. Educational and referral service only
LongTermCareInsurance411 is an independent educational and referral service. We are not an insurance company, agency, or licensed advisor, and we do not sell insurance or provide insurance, legal, tax, or financial advice. When you ask us to, we connect you with licensed insurance agents or partners, and we may be compensated for doing so.
2. No professional advice
Content on the Site is for general education only and may not reflect your specific situation. Always confirm details with a licensed professional before making decisions or purchasing any policy. We make no guarantee that any product, carrier, or coverage described will be available or suitable for you.
3. Requesting contact
When you submit a form, you agree to be contacted as described in our Privacy Policy, including by phone, text, and email. Any transaction you enter into with a licensed agent or insurer is solely between you and that party.
4. Accuracy of information
We work to keep the Site accurate and current, but costs, carrier availability, and rules change. We do not warrant that all information is complete, current, or error-free, and we are not liable for decisions made in reliance on it.
5. Intellectual property
The Site's content and design are owned by LongTermCareInsurance411 or its licensors and are protected by law. You may not copy, republish, or distribute it without permission.
6. Third-party links
The Site links to third-party websites we do not control. We are not responsible for their content, products, or practices.
7. Limitation of liability
To the fullest extent permitted by law, LongTermCareInsurance411 is not liable for any indirect, incidental, or consequential damages arising from your use of the Site or from any contact with a licensed agent or partner.
8. Changes to these terms
We may update these Terms from time to time. Changes take effect when we post the updated Terms with a new "Last updated" date.
9. Contact
Questions about these Terms? Email privacy@longtermcareinsurance411.com.