Terms of Service
Effective Date: January 1, 2026

These Terms of Service (“Terms”) govern your access to and use of the website and services provided by State Insurance LLC DBA SeniCap Life (“Company,” “we,” “our,” or “us”). By accessing or using our website or services, you agree to be bound by these Terms.

1. Use of the Website

You agree to use our website only for lawful purposes and in accordance with these Terms. You may not use the website in any way that could damage, disable, or interfere with its operation.

2. Services

We provide insurance-related information, quotes, and related services. Any information on this website is provided for general informational purposes and should not be considered legal, financial, or professional advice unless explicitly stated otherwise.

3. No Guarantee of Coverage

Submitting a request, quote, or application does not guarantee approval, coverage, or the availability of any insurance product. Coverage is subject to underwriting, eligibility, and carrier approval.

4. User Information

You agree that all information you submit is accurate, current, and complete. You are responsible for maintaining the confidentiality of any account credentials or access information.

5. Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is owned by or licensed to us and is protected by applicable intellectual property laws. You may not copy, reproduce, or distribute our content without written permission.

6. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, policies, or practices of third-party sites.

7. Disclaimer of Warranties

Our website and services are provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the website’s availability, accuracy, or suitability for any purpose.

8. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, or consequential damages arising from your use of the website or services.

9. Indemnification

You agree to indemnify and hold harmless the Company from any claims, damages, liabilities, costs, or expenses arising from your use of the website or violation of these Terms.

10. Changes to These Terms

We may update these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the website means you accept the revised Terms.

11. Contact Us

If you have questions about these Terms, please contact us through the information listed on our website.