Terms of Service

These Terms of Service ("Terms") govern your use of the Clearpath Life website and any related services we provide. By using this site, you agree to these Terms.

Informational purpose

The content on this website is provided for general informational purposes only. It is not a substitute for professional financial, legal, tax, or insurance advice. You should consult a qualified professional before making decisions based on what you read here.

Quotes and underwriting

Any premium estimates or rates displayed on this site, or provided to you verbally by a Clearpath Life representative, are estimates only. Actual premiums, coverage availability, and policy terms are determined by the issuing insurance carrier through its underwriting process. We do not guarantee that any specific rate, policy, or carrier offer will be available to you.

Independent agency

Clearpath Life is an independent insurance agency. We are not an insurance carrier and do not underwrite or issue insurance policies. Policies are issued by licensed third-party carriers, and coverage is subject to each carrier's terms, conditions, exclusions, and continued premium payment.

No guarantee of approval

Submitting information through this site or to a Clearpath Life representative does not guarantee that you will be offered coverage or approved at a specific rate. Approval, rate class, and policy terms are determined by the carrier.

Needs calculator

The coverage needs calculator on this site is an educational tool only. It is not financial advice and does not account for every factor relevant to your situation. Use it as a starting point — not a final answer.

Eligibility

You must be at least 18 years old to use this site or request a quote.

Governing law

These Terms are governed by the laws of the State of Tennessee, without regard to its conflict-of-laws principles.

Contact

Questions about these Terms? Email hello@getclearpathlife.com.