Terms of Use
Please read these terms carefully before using our website or services.
Last updated: August 2, 2026
About our service
Policy Service Department is a marketing and service operation run by licensed insurance agent Michael Maloney (National Producer Number 19789352). We connect consumers with licensed insurance agents for a review of their existing life insurance coverage. By using this website or calling us, you agree to these Terms of Use.
No guarantee of coverage or savings
A policy review is provided for informational purposes and does not guarantee that you will qualify for any product, obtain any specific coverage, or save money. Product availability, eligibility, and rates vary by state and by your individual circumstances, and not all applicants will qualify. Any decision to purchase, change, or cancel insurance is entirely yours.
Not government-affiliated
We are a private, independent, licensed insurance agency. We are not affiliated with, endorsed by, or connected to any government agency, Medicare, or the Social Security Administration. This website and our calls are a solicitation of insurance.
Calls may be recorded
When you call us, you may hear a notice that the call may be recorded and monitored for quality assurance. By continuing the call, you consent to that recording. By calling or requesting a follow-up, you also agree that we and the licensed agent assisting you may contact you by telephone at the number you provide, as described in our Privacy Policy.
Not professional advice
Information provided through this website or during a call is general in nature and is not legal, tax, or financial advice. You should consider your own situation and, where appropriate, consult a qualified professional before making decisions about insurance.
Intellectual property
The content on this website is owned by or licensed to Policy Service Department and may not be copied or reused without permission.
Limitation of liability
To the fullest extent permitted by law, Policy Service Department and its operator are not liable for any indirect, incidental, or consequential damages arising from your use of this website or our services. The website and services are provided on an “as is” basis without warranties of any kind.
Changes to these terms
We may update these Terms of Use from time to time. Continued use of the website after changes are posted means you accept the updated terms.
Contact
Michael Maloney, Licensed Insurance Agent (NPN 19789352)
Phone: (888) 503-0063
Email: michaelmaloney.insurance@outlook.com