Terms of Service
Last updated: March 2026
1. Acceptance of Terms
By accessing or using TermShield (operated by Jolive Inc), you agree to these Terms of Service. If you do not agree, please do not use this service. Questions? Contact us at infocare@joliveinc.com.
2. Description of Service
TermShield is a lead generation and referral platform that connects consumers with licensed insurance agents for term life insurance quotes. We are not an insurance company and do not sell, underwrite, or bind insurance coverage. All coverage decisions are made by licensed carriers and agents.
3. Consent to Contact
By submitting a quote request, you expressly consent to be contacted by Jolive Inc and/or licensed insurance agents via phone calls, text messages (SMS), and email — including calls and texts made using automated systems — at the phone number and email address you provide. Consent is not a condition of purchase. Message and data rates may apply.
To opt out, see our Privacy Policy.
4. No Guarantee of Coverage or Rates
Quotes provided are estimates only. Final rates are subject to carrier underwriting, state availability, and your individual health and lifestyle profile. Submitting a form does not guarantee insurance coverage or any specific premium rate.
5. Accuracy of Information
You agree to provide accurate, complete, and truthful information when submitting a quote request. Providing false information may void any coverage issued and may have legal consequences.
6. Intellectual Property
All content, branding, and materials on this site are owned by Jolive Inc and may not be reproduced without written permission.
7. Limitation of Liability
To the maximum extent permitted by law, Jolive Inc shall not be liable for any indirect, incidental, or consequential damages arising from your use of this service. Our total liability shall not exceed $100.
8. Governing Law
These terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles. [Placeholder — confirm jurisdiction with legal counsel.]
9. Changes to Terms
We reserve the right to update these terms at any time. Continued use of the service after changes constitutes acceptance.