Terms and Conditions

Last Updated: January 22, 2026

These Terms and Conditions govern your use of the TrueNorth Life Insurance website and services. By accessing or using this website, you agree to be bound by these Terms.

Nature of the Service

TrueNorth Life Insurance is a free, independent service that assists individuals in comparing and connecting with licensed life insurance agents and insurance carriers.

TrueNorth Life Insurance does not issue insurance policies and is not an insurance carrier.

All insurance policies are issued by independent, third-party insurance companies, and all agents are independent professionals.

No Endorsement or Guarantee

TrueNorth Life Insurance:

Does not endorse or recommend any specific insurance carrier or policy

Does not guarantee approval, pricing, coverage amounts, or policy terms

Does not control underwriting decisions made by insurance carriers

Is not responsible for coverage availability or carrier determinations

All insurance decisions, underwriting approvals, and policy terms are made solely by the issuing insurance carrier.

It is the responsibility of the consumer to review all policy documents and confirm that coverage meets their individual needs.

Limitation of Liability

To the fullest extent permitted by law, TrueNorth Life Insurance and its parent company, affiliates, owners, and partners shall not be liable for:

Denial of coverage or policy issuance

Changes in premiums or policy terms

Financial loss or coverage disputes

Carrier underwriting decisions

Claims outcomes or benefit payments

arising from or related to any insurance policy, carrier, or agent introduced through this website.

Disclaimer

TrueNorth Life Insurance is a free service designed to help consumers explore life insurance options. All insurance policies are issued by independent, third-party insurance carriers. TrueNorth Life Insurance does not provide insurance coverage directly and does not guarantee approval or rates.

All individuals depicted in photos or videos on this website are models or actors and are not actual insurance agents or customers.

Use of Website

By using this website, you agree not to:

Use the website for unlawful or fraudulent purposes

Submit false, misleading, or inaccurate information

Attempt to interfere with website functionality, tracking, or security

We reserve the right to restrict, suspend, or terminate access to the website at our sole discretion.

Intellectual Property

All content on this website, including text, graphics, logos, images, and design elements, is the property of TrueNorth Life Insurance or its licensors and may not be copied, reproduced, or used without prior written permission.

Call Recording & Communications

Calls may be recorded or monitored for quality assurance, compliance, and training purposes where permitted by law. By using this website or contacting us, you consent to such recording.

Changes to Terms

We may update these Terms and Conditions at any time without prior notice. Continued use of the website constitutes acceptance of any updated Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which TrueNorth Life Insurance is organized, without regard to conflict-of-law principles.

Contact Information

TrueNorth Life Insurance
Email: [email protected]