Welcome to Shield Insurance Group LLC DBA Shield Insurance ("Company", "we", "our", or "us"). These Terms of Service ("Terms") govern your access to and use of our insurance brokerage services, products, and any associated platforms or communications provided directly or through our licensed brokers.
By accessing, using, or engaging with our services, you acknowledge and agree to be bound by these Terms, as well as any additional terms, conditions, and policies referenced herein or provided in connection with specific insurance products or services. If you do not agree to these Terms, you must refrain from accessing or using our services.
These Terms, together with any other agreements or policies referenced herein, constitute a legally binding agreement. If you are using the Services on behalf of a business, organization, or another entity, you represent and warrant that you have the authority to bind such entity to these Terms.
We encourage you to read these terms carefully before using the Services.
1.1. To access and use our Services, you must meet certain eligibility criteria. You must be at least 18 years old, or the age of majority in your jurisdiction, whichever is greater. By using our Services, you confirm that you meet this age requirement. Furthermore, you represent and warrant that you have the legal capacity to enter into a binding contract in accordance with applicable State & Federal U.S. laws. If you are under the age of 18 or otherwise legally prohibited from using our Services, you are not permitted to access or use them. We reserve the right to verify your details in compliance with these eligibility requirements and may suspend or terminate your access to the Services if we find any violation.
1.2. If you believe we may have received information from an individual under 18, please contact us at [Insert contact information].
At Shield Insurance LLC, we specialize in providing comprehensive life and health insurance services tailored to meet the unique needs of individuals, families, and businesses. Our portfolio includes a broad range of insurance products to ensure financial protection and peace of mind for our clients.
Our offerings include, but are not limited to, the following categories:
2.1. Indexed Universal Life Insurance (IUL)
2.1.1. A flexible permanent life insurance product that combines death benefit protection with potential cash value growth tied to the performance of a selected market index. IUL policies provide an opportunity for tax-advantaged growth and income in retirement.
2.2. Whole Life Insurance
2.2.1. A permanent life insurance option offering lifelong coverage with a guaranteed death benefit and cash value accumulation. Whole-life policies provide stable, predictable growth and can serve as a financial planning tool for wealth preservation and legacy planning.
2.3.Term Life Insurance
2.3.1. Cost-effective coverage for a specified period. Term life insurance is designed to protect your loved ones during critical financial milestones, such as paying off a mortgage, funding education expenses, or replacing income.
2.4.Final Expense Insurance
2.4.1. Specialized coverage designed to cover end-of-life expenses, including funeral costs, medical bills, and other related obligations. Final expense insurance ensures peace of mind and financial relief for your family during difficult times.
2.5.Mortgage Protection Insurance
2.5.1. A specific type of term life insurance intended to cover the remaining balance of a mortgage in the event of the policyholder’s death. This product provides financial security for homeowners and their families, ensuring they can remain in their homes without financial burden.
2.6.Health Insurance
2.6.1. Comprehensive health insurance plans are designed for individuals, families, and businesses. These plans provide coverage for a variety of healthcare needs, including preventive care, prescription drug benefits, specialist consultations, hospital stays, and more.
2.7.Disability Insurance
2.7.1. A crucial safety net that replaces a portion of your income if you become unable to work due to illness or injury. Disability insurance helps cover living expenses and maintain financial stability during recovery periods.
2.8.Critical Illness Insurance
2.8.1. Lump-sum coverage designed to provide financial protection in the event of a critical illness diagnosis, such as cancer, heart attack, or stroke. This type of insurance can help cover out-of-pocket medical costs, lost income, and other expenses during treatment and recovery.
2.9.Long-Term Care Insurance
2.9.1. A specialized product that covers the cost of extended care services, such as nursing home care, assisted living, or in-home care, which may not be covered by health insurance or Medicare. Long-term care insurance helps protect your savings while ensuring access to quality care.
2.10. Business Insurance Solutions
2.10.1.Key Person Insurance: Protects businesses against financial loss due to the death or disability of a key employee or executive.
2.10.2.Buy-Sell Agreements: Ensures smooth ownership transition and financial stability for businesses following the death or disability of a co-owner or partner.
2.11. Group Insurance Plans
2.11.1.Tailored insurance solutions for employers seeking to provide life, health, or disability benefits to their employees. These plans help attract and retain talent while promoting employee well-being.
2.12. Other Insurance Services
2.12.1.In addition to the specific products listed, we also offer other insurance solutions designed to meet your unique needs. Whether you require specialized coverage for uncommon risks, tailored benefits for your business, or assistance with complex financial planning, our licensed brokers will work with you to create a solution that aligns with your goals.
3.1. When engaging with our services, you may be required to provide personal information to create and manage your account. By doing so, you agree to the following terms regarding your account:
3.1.1.Accuracy of Information: You are responsible for providing accurate, complete, and up-to-date information during account creation and in all subsequent communications. Any misrepresentation or failure to update your information may result in the suspension or termination of your account.
3.1.2.Account Security: You are responsible for maintaining the confidentiality of your account credentials, including usernames and passwords. Any activity conducted under your account will be presumed to have been authorized by you. Notify us immediately at [Insert Contact Information] if you suspect unauthorized access or misuse of your account.
3.1.3.Prohibited Activities: You agree not to use your account for:
3.1.3.1.Fraudulent, unlawful, or unethical activities.
3.1.3.2.Sharing account access or credentials with unauthorized third parties.
3.1.3.3.Actions that violate these Terms of Service or applicable laws.
3.1.4.Account Termination: We reserves the right to suspend or terminate your account at any time, with or without notice, if you violate these Terms of Service or engage in activities deemed harmful to our operations or reputation.
4.1. Our services are provided directly to consumers through our network of licensed insurance brokers operating under the trade name Insurance Elevated. These brokers offer personalized consultations to help clients identify the insurance solutions that best suit their needs and financial goals.
5.1.We are dedicated to maintaining the highest standards of compliance, professionalism, and ethical conduct in all aspects of our operations. Our commitment to compliance and ethics forms the foundation of our relationships with clients, partners, and regulatory authorities.
5.2.We adhere to all applicable federal, state, and industry regulations governing the insurance sector, including but not limited to:
5.2.1.State Insurance Laws: Compliance with applicable Pennsylvania State Laws and regulations including but not limited to the Pennsylvania’s Unfair Insurance Practices Act (UIPA), as well as those of other states in which we operate.
5.2.2.Federal Regulations: Adherence to Federal Laws such as the Affordable Care Act, Patient Protection and Affordable Care Act (PPACA), the Health Insurance Portability and Accountability Act (HIPAA) for the protection of Personal Health Information (PHI) and other applicable Laws.
5.2.3.Licensing Requirements: Ensuring that all brokers operating are fully licensed and comply with the rules, regulation and ethical requirements set forth by regulatory bodies.
6.1.We are committed to providing clear, accurate, and honest information to our clients about insurance products and services.
6.2.All recommendations made by our brokers are based on thorough assessments of client's unique needs, ensuring that solutions align with their goals and circumstances.
6.3.We prioritize transparency in pricing, policy terms, and potential limitations, so clients can make well-informed decisions.
The following payment terms govern all financial transactions between you and the Company:
7.1.Payment Responsibility
7.1.1.Payments for insurance policies facilitated through us, are made directly to the respective third-party insurance carrier unless otherwise specified.
7.1.2.You are responsible for ensuring timely payment of premiums and fees to maintain active coverage.
7.2.Fees and Charges
7.2.1.We do not charge additional fees for its brokerage services unless explicitly stated in writing.
7.2.2.Any applicable service fees or administrative charges will be disclosed prior to service initiation.
7.3.Refunds and Cancellations
7.3.1.Refunds or cancellations are subject to the terms and conditions of the respective insurance carrier. We do not control or influence carrier-specific refund policies.
7.3.2.For questions regarding refunds or cancellations, please refer to your policy documents or contact the issuing carrier directly.
7.4.Late Payments and Policy Lapses
7.4.1.Failure to make timely payments as required by your policy may result in lapses, cancellation of coverage, or additional penalties imposed by the insurance carrier.
7.4.2.We will not be liable for any consequences resulting from non-payment or late payment of premiums.
7.5.Accepted Payment Methods
7.5.1.Payments to third-party carriers may be made through methods accepted by the carrier, which may include electronic transfers, credit cards, checks, or other approved options.
7.5.2.We do not process direct premium payments unless explicitly arranged and agreed upon.
7.6.Disputes and Errors
7.6.1.If you identify any errors in billing or payments, it is your responsibility to notify us or the insurance carrier immediately.
7.6.2.We will assist in resolving disputes related to payments where applicable, but final resolutions are subject to carrier policies.
8.1. We strive to provide high-quality insurance brokerage services. However, the following responsibilities apply to Company, our agents and our clients to ensure clarity, transparency, and accountability:
8.1.1.Company & Agents Responsibilities:
8.1.1.1.Provision of Services: We are responsible for connecting clients with licensed brokers/agent who provide expert guidance on insurance products tailored to individual, family, or business needs.
8.1.1.2.Compliance: We ensure that all activities are in compliance with applicable federal and state regulations.
8.1.1.3.Support: We provide assistance throughout the policy application process, addressing questions and ensuring a smooth experience.
8.1.2.Client Responsibilities:
8.1.2.1.Accuracy of Information: You are responsible for providing accurate, complete, and up-to-date information during consultations, applications, and all communications.
8.1.2.2.Timely Payments: You are responsible for ensuring timely payment of all premiums and fees required to maintain coverage as specified by the respective insurance carrier.
8.1.2.3.Policy Review: It is your responsibility to carefully review policy documents, including terms, conditions, exclusions, and limitations, to ensure they meet your needs.
8.1.2.4.Compliance: You must comply with all applicable laws and regulations, including providing truthful and lawful representations during the application process.
8.1.2.5.Notification of Changes: Notify us and the issuing carrier promptly of any changes to your contact details, financial circumstances, or other relevant information that may affect your policy.
8.1.3.Failure to comply with this clause may result in restricted access to our website and, where applicable, legal action.
9.1. While we facilitates access to insurance products and provides support throughout the application process, the following limitations apply to our role and liability:
9.1.1.Underwriting and Policy Issuance: We are responsible for the underwriting, issuance, or fulfillment of insurance policies, as these responsibilities lie exclusively with third-party carriers.
9.1.2.Application Approval: We do not guarantee the approval of insurance applications or the specific terms of any policy, as these determinations are made solely by the issuing carrier based on their underwriting guidelines.
9.1.3.Client Obligations: We are not liable for any outcomes resulting from your failure to:
9.1.3.1.Provide accurate, complete, and truthful information during the application process.
9.1.3.2.Comply with carrier-specific requirements or conditions.
9.1.3.3.Make timely payments to maintain active coverage.
9.1.3.4.Comply with this terms of services.
9.2. In no event shall our total liability to you for all claims, damages, and causes of action exceed the amount you have paid to us for services within the six (6) months preceding the event giving rise to the claim.
9.3. By using our services, you acknowledge and agree that you assume full responsibility for any decisions made or actions taken based on the information or services provided by the Company, and the limitations of liability outlined in this clause are reasonable and reflect an agreed allocation of risk between you and the Company.
10.1.Company may have access to Client’s Confidential Information in providing their services. We are committed to safeguarding any non-public information shared by clients during the course of our services. All the confidential information will be handled in compliance with applicable Laws, and will not be disclosed to unauthorized parties without your explicit consent, except as required by law or necessary to fulfill our obligations to you and third-party carriers.
11.1.We are committed to protecting the privacy and security of your personal information. Any personal information associated with your account will be collected, processed, stored, and shared strictly in accordance with our Privacy Policy.
12.1. We grants you a limited, non-exclusive, non-transferable, and revocable license to access and use its services solely for personal, non-commercial purposes, in accordance with these Terms of Service.
12.2. Restrictions on Use: By accepting this license, you agree not to:
12.2.1.Modify, reproduce, distribute, or create derivative works from any content, materials, or features provided through our services without prior written authorization.
12.2.2.Use the services for any unlawful, fraudulent, or unauthorized purposes, including but not limited to misrepresentation or data exploitation.
12.2.3.Reverse-engineer, decompile, disassemble, or otherwise attempt to extract source code, algorithms, or other proprietary aspects of our services.
12.2.4.Interfere with, disrupt, or compromise the security, functionality, or integrity of our services.
12.3.Revocation of License: We reserves the right to suspend or revoke this license at its sole discretion, without prior notice, if you:
12.3.1.Breach these Terms of Service.
12.3.2.Engage in activities that harm or could harm our operations, reputation, or the integrity of our services.
13.1. All content, materials, designs, trademarks, service marks, logos, text, graphics, software, and other intellectual property (collectively referred as "Intellectual Property") provided or displayed through our services are the exclusive property of the Company or its licensors.
13.2. Company retains all rights, title, and interest in and to the intellectual properties, including but not limited to any copyrights, patents, trademarks, trade secrets, and other proprietary rights.
12.3.Nothing in these Terms of Service grants you ownership of any Intellectual Property provided by the Company.
14.1.You agree to indemnify, defend, and hold harmless Company, its affiliates, employees, agents, and representatives from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to: (i) your breach of these Terms of Service, (ii) your use of our services, or (iii) any misrepresentation or omission of information provided during the application process.
15.1.Any disputes, claims, or controversies arising out of or relating to these Terms of Service or the use of our services shall be resolved exclusively through arbitration conducted in accordance with the rules of Pennsylvania Uniform Arbitration Act and the American Arbitration Association (AAA). Arbitration shall take place in [Insert City], Pennsylvania, and the arbitrator's decision shall be final and binding. In the event arbitration is not applicable or if the decision of arbitator is arbitrary, disputes shall be resolved in the courts of competent jurisdiction located in Pennsylvania, United States.
16.1.These Terms of Service shall be governed by and construed in accordance with the State Laws of Pennsylvania and Federal Laws of the United States, without regard to its conflict of law principles.
17.1.Company reserves the right to terminate or suspend your access to our services at any time, with or without prior notice, if you breach these Terms of Service or engage in activities that harm our operations, reputation, or other users.
17.2.You may terminate your use of our services at any time by ceasing all access and providing written notice to us. Upon termination, your rights to access and use our services, including any licenses granted, will immediately cease.
17.3.Termination does not affect any obligations or liabilities incurred by either party prior to termination, including payment obligations or indemnity provisions.
THE SERVICES AND INFORMATION PROVIDED BY THE COMPANY ARE OFFERED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR RELIABILITY OF THE CONTENT OR UNINTERRUPTED OPERATION OF OUR SERVICES. AS A BROKERAGE, WE FACILITATE ACCESS TO INSURANCE PRODUCTS FROM THIRD-PARTY CARRIERS BUT ARE NOT RESPONSIBLE FOR THEIR TERMS, PERFORMANCE, OR ACTIONS.
CLIENTS ARE ENCOURAGED TO REVIEW POLICY DOCUMENTS AND CONSULT WITH LICENSED BROKERS. USE OF OUR SERVICES IS AT YOUR OWN RISK, AND WE DISCLAIM LIABILITY FOR ANY DAMAGES OR LOSSES RESULTING FROM RELIANCE ON OUR SERVICES OR INFORMATION.
19.1.Company shall not be held liable for any failure or delay in performing its obligations under these Terms of Service due to circumstances beyond its reasonable control. Such circumstances include, but are not limited to, acts of God, natural disasters, pandemics, government actions, labor disputes, power outages, cyberattacks, or any other events that could not have been reasonably anticipated or prevented.
19.2.In the event of a force majeure occurrence, the Company will make reasonable efforts to resume services as soon as practicable. Clients acknowledge that such delays or interruptions do not constitute a breach of these Terms of Service.
20.1.Assignment: Neither party may assign or transfer any rights or obligations under these Terms of Service without the prior written consent of the other party.
20.2.Successors and Assigns: These Terms of Service shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.
20.3.No Waiver: The failure or delay of either party to exercise any right, power, or privilege under these Terms of Service shall not constitute a waiver of that right, power, or privilege, nor preclude its future enforcement.
20.4.No Agency: Nothing in these Terms of Service shall be construed to create an agency, partnership, joint venture, employer-employee, or franchiser-franchisee relationship between the parties.
20.5.Interpretation: Section headings in these Terms of Service are for reference purposes only and do not affect the meaning or scope of the provisions they describe.
20.6.Notices: All notices required or permitted under these Terms of Service must be in writing and directed to the Company at [Insert Contact Email or Address]. Notices sent electronically shall be deemed delivered upon successful transmission, and notices sent via mail shall be deemed delivered upon receipt.
You shield them now. Let Shield protect them always.
