Terms of Use

Last updated: October 13, 2026

1. Acceptance of these terms

These Terms of Use (“Terms”) are a binding agreement between you and Policy Service Department. By visiting this website, submitting a form, calling us, or otherwise using our services, you confirm that you have read, understood, and agree to these Terms and to our Privacy Policy. If you do not agree, please do not use this website or our services.

2. 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. We are an independent insurance agency; we are not an insurance carrier, bank, government program, or law firm, and we do not issue policies or pay claims — those are the responsibility of the insurance company that issues any policy.

3. Licensing

Michael Maloney is a licensed insurance agent (NPN 19789352). We, and the agents we work with, are licensed in the states where we transact insurance business. We do not offer or solicit insurance products in any state where we are not properly licensed, and nothing on this website is an offer of insurance in a state where that product or agent is not authorized.

4. Eligibility

You must be at least 18 years old and a resident of the United States to use this website or request a policy review. Insurance products are subject to the issuing carrier’s own eligibility requirements, which may include age, health, residency, and other factors. Meeting the requirements to use this site does not mean you will qualify for any particular product.

5. Not legal, tax, or financial advice

Information provided through this website or during a call is general in nature and is for informational purposes only. It is not legal, tax, financial, or investment advice, and it is not a recommendation to buy, keep, change, or cancel any insurance product. You should consider your own situation and, where appropriate, consult a qualified professional before making decisions about insurance.

6. 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.

7. Quotes, applications, and underwriting

Any quotes, figures, or illustrations shown on this website or shared during a call are estimates for general comparison only. They are not an offer of insurance or a guarantee of coverage or price. Coverage becomes effective only after you submit a complete application, the issuing carrier approves it through its underwriting process, the policy is issued, and any required first premium is paid. Final premiums and terms are set by the carrier and may differ from any estimate.

8. Accuracy of information

We work to keep this website accurate and current, but we do not warrant that all content is complete, error-free, or up to date, and information may change without notice. You are responsible for the accuracy of any information you provide to us or to a carrier. Providing false or misleading information on an insurance application may delay or void coverage, result in denial of a claim, or constitute insurance fraud.

9. 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.

10. Phone calls, recording, and your consent to be contacted

When you call us, or when we call you, 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 submitting your telephone number through this website or by requesting a call or follow-up, you agree that Policy Service Department and the licensed agent(s) assisting you may contact you at the number you provide — including by automatic telephone dialing system, pre-recorded or artificial voice, and text message — for the purpose of servicing your request and offering insurance products, even if that number is on a state or federal Do Not Call list. Consent is not a condition of purchasing any product. Standard message and data rates may apply. You may revoke this consent at any time by telling us you wish to be placed on our internal Do Not Call list, or, for text messages, by replying STOP.

11. SMS / text message program

If you provide your mobile number and agree to receive texts, Policy Service Department may send you text messages related to your request, your policy review, and relevant insurance information. Message frequency varies. Message and data rates may apply. Consent to receive texts is not a condition of purchasing any product. Reply STOP to any message to opt out, or HELP for help. We do not guarantee that messages will be delivered, and carriers are not liable for delayed or undelivered messages. We do not sell or share your mobile opt-in information or text-message consent with third parties for their own marketing purposes.

12. Electronic communications and consent to electronic records

By using this website and providing your contact information, you consent to receive communications, notices, disclosures, and agreements from us electronically — by email, text, or by posting on this website — and you agree that electronic communications satisfy any legal requirement that such communications be in writing. You may withdraw this consent or request a paper copy by contacting us using the information below; withdrawing consent may limit our ability to provide certain services.

13. Acceptable use of the site

You agree to use this website only for lawful purposes. You will not: submit false, misleading, or fraudulent information; use the site on behalf of another person without authorization; attempt to gain unauthorized access to our systems or data; use any robot, scraper, or automated means to access or collect information from the site; introduce malware or interfere with the site’s operation or security; or use the site in any way that violates applicable law.

14. Intellectual property

The content, design, logos, and materials on this website are owned by or licensed to Policy Service Department and are protected by applicable intellectual-property laws. You may view and use the site for your own personal, non-commercial purposes only. You may not copy, reproduce, republish, or reuse any part of the site without our prior written permission.

15. Third-party links and services

This website may link to or rely on third-party websites and services, such as insurance carriers, scheduling tools, and form or call providers. We do not control and are not responsible for the content, availability, practices, or policies of those third parties. Your use of a third-party site or service is at your own risk and is governed by that third party’s own terms and privacy policy.

16. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the site, you consent to the collection and use of your information as described there.

17. Disclaimer of warranties

To the fullest extent permitted by law, this website and our services are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, secure, or error-free, or that any information provided is accurate or complete.

18. Limitation of liability

To the fullest extent permitted by law, Policy Service Department and its operator, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss arising out of your use of (or inability to use) this website or our services, or arising out of any carrier’s underwriting, coverage, or claims decision. Our total liability for any claim relating to the site or our services will not exceed one hundred dollars ($100).

19. Indemnification

You agree to indemnify and hold harmless Policy Service Department and its operator, agents, and affiliates from any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of this website, your violation of these Terms, or any information you submit to us or to a carrier.

20. Complaints, cancellations, and claims

If you have a concern about our service, please contact us using the information below. You may also contact your state’s Department of Insurance. Policies are issued, serviced, canceled, and have claims paid by the insurance carrier, not by Policy Service Department; requests to change, cancel, or file a claim on a policy must be handled through the issuing carrier. Any “free look” period, cancellation right, or claim-appeal process is governed by your policy and applicable state law.

21. Dispute resolution, arbitration, and class-action waiver

Please read this section carefully — it affects your legal rights. Except where prohibited by law, any dispute or claim between you and Policy Service Department relating to this website or our services will be resolved by binding individual arbitration, rather than in court, except that either party may bring a qualifying claim in small-claims court. You and Policy Service Department agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any class or representative action. You may opt out of this arbitration agreement by sending us written notice within 30 days of first accepting these Terms, using the contact information below. If any part of this section is found unenforceable, the remainder will still apply, except that the class-action waiver is not severable from the agreement to arbitrate.

22. Governing law

These Terms are governed by the laws of the state in which Policy Service Department maintains its principal place of business, without regard to its conflict-of-laws rules. Subject to the arbitration section above, any dispute not resolved by arbitration will be brought exclusively in the state or federal courts serving that location, and you consent to the jurisdiction of those courts.

23. General provisions

These Terms, together with our Privacy Policy, are the entire agreement between you and Policy Service Department regarding your use of this website and supersede any prior agreements on that subject. If any provision is found to be unenforceable, the remaining provisions will remain in full effect. Our failure to enforce any provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a transfer of our business. We are not responsible for any failure or delay caused by events beyond our reasonable control. Section headings are for convenience only.

24. Changes to these terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date above, and material changes may be accompanied by additional notice where required. Your continued use of the website after changes are posted means you accept the updated Terms.

25. Contact

Michael Maloney, Licensed Insurance Agent (NPN 19789352)
Phone: (888) 861-0052
Email: michaelmaloney.insurance@outlook.com