Legal & Compliance
Clear standards governing the use of LifeInsuranceServices.us, consumer communications, privacy, and the role of Digital Sphere LLC.
Consumer & Legal Inquiries
For questions regarding these Terms, privacy, lead requests, or our business operations, please contact us through our official contact channels.
Terms & Conditions
These Terms and Conditions govern your use of LifeInsuranceServices.us and any forms, content, or services made available through the Website.
LifeInsuranceServices.us is owned and operated by Digital Sphere LLC, an independent lead-generation company.
Digital Sphere LLC is not an insurance carrier or insurance agency and does not issue, underwrite, approve, or sell insurance policies.
By accessing the Website or submitting information through one of our forms, you agree to these Terms.
1. Our Role
Digital Sphere LLC operates LifeInsuranceServices.us as a lead-generation platform.
We provide general information and facilitate consumer requests for information. Depending on the request, consumers may be connected with appropriately licensed independent insurance agents.
Digital Sphere LLC does not act as an insurance agent, broker, carrier, or underwriter.
2. Insurance Information
Information presented on this Website is provided for general informational purposes.
Insurance availability, eligibility, premiums, coverage, policy terms, and underwriting requirements vary by state, individual circumstances, and the applicable insurance company.
Submitting a form does not guarantee an insurance quote, approval, coverage, policy, or particular premium.
3. Independent Insurance Professionals
When you submit a request, your information may be shared with appropriately licensed independent insurance agents or other applicable service providers who may contact you regarding your request.
Any insurance advice, quote, application, policy, coverage decision, or other insurance service is provided by the applicable licensed professional or insurance company and not by Digital Sphere LLC.
4. Consumer Information
Information submitted through the Website may include contact information and other information necessary to respond to your request.
The information collected depends on the form and the information you choose to provide.
Please review our Privacy Policy for information about how your data is collected, used, and shared.
SMS Terms & Conditions
1. SMS Consent
If you provide your telephone number and expressly consent to receive communications, you may receive calls or text messages regarding your request.
Your information may be provided to appropriately licensed independent insurance agents who may contact you regarding the request you submitted.
2. Types of Communications
Depending on your request, communications may include:
- Follow-up regarding your inquiry
- Requests for additional information
- Information relating to your insurance inquiry
- Communications from an appropriately licensed independent insurance agent
3. Message Frequency
Message frequency may vary depending on your request and subsequent communications.
4. Message and Data Rates
Message and data rates may apply depending on your mobile carrier and service plan.
5. Consent Is Not Required to Purchase
Consent to receive calls or text messages is not a condition of purchasing any goods or services.
6. Automated Calls and Messages
Where applicable, communications may be made using automated technology or prerecorded messages, subject to applicable law and the consent provided.
7. Opt-Out
You may opt out of SMS communications at any time by replying STOP to an applicable text message.
You may also contact us through our official contact channels to request that communications stop.
8. Help
For assistance with SMS communications, reply HELP to an applicable message or contact us through our official contact channels.
9. Standard SMS Disclosure
Message and data rates may apply. Message frequency may vary. Reply STOP to opt out and HELP for assistance.
Website Use
1. Permitted Use
You may use this Website for lawful personal purposes, including reviewing general information and submitting legitimate requests for information.
2. Prohibited Activities
You may not:
- Submit false or misleading information
- Use the Website for unlawful purposes
- Attempt to interfere with Website security or operation
- Introduce malicious code or harmful material
- Attempt to access systems or information without authorization
- Use automated methods to improperly collect Website content
3. Website Availability
We make reasonable efforts to maintain the Website and its content. However, we do not guarantee that the Website will always be available, uninterrupted, error-free, or completely current.
4. Third-Party Services
The Website may connect consumers with third-party service providers or appropriately licensed independent insurance agents.
Digital Sphere LLC does not control the independent business practices, insurance products, policies, or services of third parties.
Your interactions with third parties may be subject to their own terms and privacy policies.
Provision 9.1 — Intellectual Property
All Website content, including text, graphics, design elements, and other materials owned or licensed by Digital Sphere LLC, remains the property of Digital Sphere LLC or its respective licensors.
Unauthorized reproduction, modification, distribution, or commercial use is prohibited except as permitted by applicable law.
Provision 9.2 — No Agency or Fiduciary Relationship
Nothing on this Website creates an insurance agency, broker, carrier, employment, fiduciary, or advisory relationship between you and Digital Sphere LLC.
Disclaimers
LifeInsuranceServices.us provides general information and facilitates consumer requests.
Digital Sphere LLC does not issue, underwrite, approve, or sell insurance policies.
Digital Sphere LLC does not determine:
- Insurance eligibility
- Insurability
- Premium rates
- Coverage amounts
- Policy approval
- Policy benefits
- Underwriting decisions
Any insurance product, quote, application, recommendation, or policy is provided by the applicable licensed insurance professional or insurance company.
Availability varies by state and eligibility.
Changes to These Terms
We may update these Terms and Conditions from time to time.
When changes are made, the Last Updated date will be revised. Your continued use of the Website after an update means you acknowledge the revised Terms, to the extent permitted by applicable law.
Contact & Business Identity
Digital Sphere LLC
Owner and operator of LifeInsuranceServices.us
Digital Sphere LLC is an independent lead-generation company. Digital Sphere LLC is not an insurance carrier or insurance agency and does not issue, underwrite, approve, or sell insurance policies.
Consumers may be connected with appropriately licensed independent insurance agents. Availability varies by state and eligibility.
Last Updated: September 11, 2026
© 2026 LifeInsuranceServices.us. All Rights Reserved.