Terms and Conditions

Services Provided

Highland Park Life Insurance provides information, personalized quotes and application assistance for term life, whole life, universal life, final expense, mortgage protection and children's life insurance, together with term conversion and reviews of existing policies.

Website content is general in nature. Eligibility, coverage terms and premiums are determined by the issuing insurance company on the basis of your application.

Permitted Use

The website may be used for lawful purposes and to learn about the agency's services. Its content is informational and does not constitute advice specific to your circumstances.

Quotes

Quotes given by phone are estimates based on information you supply. They do not constitute an offer of coverage or a commitment to a premium. Final pricing is subject to underwriting by the issuing insurer.

Coverage begins only when an application has been approved and any required initial premium has been paid.

Intellectual Property

Website content is the property of Highland Park Life Insurance or is used under permission, and may not be reproduced for commercial purposes without written authorization.

No Warranty

The website is provided on an as-is basis. While we aim for accuracy, we do not warrant that content is complete or current. Policy benefits, terms and exclusions are governed solely by the contract issued by the insurer.

Limitation of Liability

To the maximum extent permitted by law, Highland Park Life Insurance is not liable for indirect, incidental or consequential damages resulting from use of the website.

Third-Party Sites

Links to external websites are provided for convenience. We are not responsible for their content or practices.

Governing Law

These terms are governed by and construed under the laws of the State of Illinois.

Amendments

These terms may be amended at any time by posting a revised version on this page with an updated date.