TERMS OF USE

The Terms of Use is an Agreement between you and Diabetes Life Solutions and, if applicable, between you and Matthew L. Schmidt. By using this website, associated sites, hardware, software, or services through this website you agree to these Terms of Use in full. You also agree to provide true, accurate, current and complete information if requested by this website. If you do not agree with these Terms of Use in full, including the terms expressed in our Privacy Policy then you are not authorized to use any service of this website, and should not provide any information through this website.

Your use of this site after such changes are implemented constitutes your acknowledgment and acceptance of the changes. Before each use, please consult these Terms and Conditions of Use carefully. This website is provided by Diabetes Life Solutions. These Terms and Conditions apply exclusively to your access to, and use of, this website and does not alter in any way the terms or conditions of any other agreement you may have with Diabetes Life Solutions.

DISCLAIMER STATEMENT

The information presented on Diabetes Life Solutions is not an offer to sell insurance. The material contained in this website is for informational purposes only and is only intended to provide a general description. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voicemail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent.

All coverages are subject to the terms, conditions, and exclusions of the actual policy issued. Not every policy or coverage is available in every state.

We believe the information provided on this web site to be accurate, and we make every effort to minimize errors. However, since both humans and computers are subject to mistakes, and since information and rates can change quickly, we cannot absolutely guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please inform us.

Please contact our office at 888 629 3064 or send an email to info@diabeteslifesolutions.com to discuss specific coverage details and your insurance needs.

All content is for informational purposes only and is not an offer to sell insurance. Statements on this website as to polices and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation.

Diabetes Life Solutions and Matthew L. Schmidt does not assume any responsibility for any information received or extracted from any links. You agree that if you are located in a jurisdiction where free insurance advice or insurance quotes are limited or regulated by law, you will limit or refrain from use of such advice or quotes as required by law, you will comply with such law.

Rates which may be provided on-line or via e-mail, mail, or fax are estimates and are generally reflective of the prices for the best rate classes available for various life insurance products as of the date that any rate comparisons are prepared by us. Rates provided in this manner are not firm quotes or offers, but rather estimates which are based on information provided to us by you and by the various insurance companies. Rates and availability are subject to underwriting approval by the insurance company selected, and the criteria to qualify varies widely among insurance companies. Any and all required illustrations, applications, supplemental forms, and other documents necessary to evaluate and/or apply for life insurance coverage will be provided as soon in the process as they become necessary. Policy forms vary by state. Unisex rates, with most carriers, are the same as male rates, apply in Montana.

This web site has been  designed with the intention of providing as much information as possible, to consumers who seek to educate themselves and make informed decisions about their life insurance. However, since each individual’s situation is different, none of the information provided herein should be construed as legal, tax, financial planning, or other professional advice. Only after a thorough review of your individual needs and circumstances can specific professional advice ever be appropriately provided. The information in the website is provided “as is” and without warranties of any kind either expressed or implied. Diabetes Life Solutions and Matthew L. Schmidt, personally, hereby disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

The information contained in this website is published at Salina, KS for some, but not all the residents of the United States of America. The content herein should be deemed to be published by Diabetes Life Solutions and not any other party, including any particular insurance company(s). In no event shall Diabetes Life Solutions or Matthew L. Schmidt, personally be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

Our web quoting engine provides you, the consumer, with the opportunity to see the prices for various different rate classifications, based on YOUR selection of a rate class on our quote request page. Your decision to view the prices from multiple insurance companies based on a rate class that you selected is, in no way, indicative of whether or not you may qualify for that particular rate class. Automated quoting is a very inaccurate process. This is why we also ask you to provide significant additional information, beyond that which is necessary for a simple perusal of rates via the web, so that we can spend the time necessary to create a CUSTOM quote for you. This custom quote is ordinarily provided to you via telephone, often after a telephone conversation with a licensed agent.

PRIVACY STATEMENT

Diabetes Life Solutions is committed to keeping all of your personal information secure. This privacy statement explains the protection, uses and benefits of the information provided by you in order to ensure your peace of mind through every step of the application process.

Web Site Use

Diabetes Life Solutions provides the Services for users of this Site to provide information and relating to insurance and other products offered by Diabetes Life Solutions and its affiliates.The information contained on this Site is provided solely for general informational purposes and is not intended to be a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described. Diabetes Life Solutions is not engaged in rendering legal or any other advice. You are not a client of Diabetes Life Solutions  merely by visiting this Site. Your insurance needs are no doubt particular to your individual circumstances, and Diabetes Life Solutions does not purport, by means of this Site, to offer information appropriate or suitable to your individual circumstances. For complete descriptions of the terms, conditions and exclusions of insurance coverages or other products or services, please contact your independent agent or broker. Products and services referenced herein may not be available in all jurisdictions.

What information is gathered and how is it used?

The questions we ask on our site are used only to determine which insurance carriers and products best match your unique needs. Each insurance company prices their policies differently, based on their own unique underwriting guidelines.  For this reason, after TermLife2Go receives your quote request, a licensed agent will review your submission and follow up with you directly to assist you in securing coverage for you and your family.

Should you have any questions whatsoever regarding the personal information submitted to Diabetes Life Solutions, please call us at 888 629 3064 or email us at info@diabeteslifesolutions.com .

Does Diabetes Life Solutions share my personal information to other companies?

We will never share your information with any third party for any reason, except to help you obtain life insurance.  In times of high lead volume, we do share your quote request details, including your name, date of birth, gender, and email address with an affiliate agency, who will assign a licensed representative to call and assist you with your life insurance needs.  Rest assured that your quote request at our site will never be shared with more than one life insurance representative or agency.

When does Diabetes Life Solutions provide my personal information to Insurance companies?

Only when you explicitly authorize us to begin the application process for the policy and carrier you choose. Even then, you will receive the formal paperwork to review (and correct, if necessary) and sign before any information will be released to the carrier of your choice.

How will the Insurance companies use my information once I authorize its release?

Any personal information gathered by Diabetes Life Solutions is used only for the process of qualifying you for Insurance products. Where permitted by law, your information may be used to request credit, medical and/or driving records from a third party. This information is used for underwriting the application in accordance with the disclosures and releases that you must review and sign. These authorizations are included with your application.

Will you contact me if I’m on the National Do Not Call Registry?

We do not wish to make contact with individuals or companies that are not interested in receiving information or entertaining the possibility of obtaining insurance through our firm. When you fill out our quote request form you are explicitly initiating a relationship with us, inviting and consenting to the receipt of information (which may be provided to you online, by fax, phone, email, US Mail, etc.) and, as such, are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we contacted you without your express consent. At any time we will immediately honor any request to be placed on our internal “do not contact” list.

Does Diabetes Life Solutions use “cookies”?

Yes. To personalize your experience on our website and to enhance security, we may assign your computer browser a unique random number known as a “cookie”. Cookies enhance security by allowing us to identify you should you wish to access your personal profile upon returning to our site. Cookies also allow the site to display the proper pages and forms appropriate to your profile.

Your privacy and security are not compromised when you accept a cookie from Diabetes Life Solutions. We do not use cookies to collect any personally identifying information, and a cookie cannot read data from your computer’s hard disk or read cookie files from other websites.

You will immediately see the quotes you requested.  You can get as many instant quotes as you like.  One of our representatives and/or affiliates typically will call you and/or email you within 24 hours to ensure accuracy of the quote you received.  We find many of our site’s visitors don’t know which health class to quote themselves at, or may need assistance determining the amount or type of life insurance policy needed, which is the purpose of our contact.

Completion of any quote request form on this website implies the establishment of a business relationship and gives us or our affiliate the right to contact you via phone or email.

If you have any questions regarding our Privacy Policy, our website, or any other aspect of the services we offer, please email us at info@diabeteslifesolutions.com or by mail at PO Box 741, Carnegie PA  15106.

Changes in this Privacy Statement

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.