Terms of Service

These Terms govern your access to and use of Life Leads Plus, which delivers live, qualified Final Expense and Medicare calls to licensed insurance agencies and bills either per submitted application or per billable call from a prepaid balance. Please read them before you fund a balance or accept a call.

1. Acceptance of these Terms

Life Leads Plus (the “Services”) is operated by Life Leads Plus, organized under the laws of the State of Colorado (“Life Leads Plus,” “we,” “us,” or “our”). These Terms of Service (the “Terms”) form a binding agreement between Life Leads Plus and the person or entity that signs an Agreement with us, funds a Prepaid Balance, or uses the Services (“you,” “Client,” or “Agency”).

By signing an Agreement, funding a Prepaid Balance, accepting a routed Call, or otherwise using the Services, you agree to these Terms and to our Privacy Policy and TCPA & Compliance Policy, each incorporated here by reference. If you do not agree, do not use the Services.

If you accept these Terms on behalf of a business entity, you represent that you have authority to bind that entity, and “you” refers to that entity.

Section 15 contains a binding arbitration provision and a waiver of class actions. It affects how disputes between you and Life Leads Plus are resolved. You may opt out of arbitration within 30 days of first accepting these Terms by following the instructions in Section 15.6.

2. Definitions

• Agreement — the program agreement or order you sign with us that sets your Pricing Model, Program, rate, states, caller ages, delivery hours, daily cap and, for pay per call, your Buffer.
• Application — an insurance application your agent completes and submits for a Consumer arising from a Call, logged in the Portal with the carrier, plan, face amount, premium and applicant details.
• Billable Application — an Application that satisfies Section 5.5 and for which a fee becomes due under pay per application.
• Buffer — the number of seconds set in your Agreement that a Call must last before it becomes a Billable Call.
• Billable Call — under pay per call, a Call that lasts longer than your Buffer.
• Call — an inbound telephone call transferred to you through the Services.
• Consumer — an individual who is connected to your agent through the Services.
• Consumer Data — personal information relating to a Consumer that is transmitted, generated, or recorded through the Services.
• Portal — the Life Leads Plus client portal, including the browser softphone, call log, recordings, customer records, application logging, reporting, billing and statements.
• Prepaid Balance — funds you deposit with us in advance, from which fees are drawn.
• Pricing Model — pay per application or pay per call, as set in your Agreement.
• Program — a product line for which Calls are delivered: Final Expense or Medicare.

3. Eligibility and accounts

3.1 Licensing and authority are your responsibility

You select the states from which you want to receive Calls. That selection controls routing only. It is not a representation by us that you or your agents are licensed or appointed in those states, and we do not verify licensing or appointments.

You are solely responsible for holding and maintaining whatever licenses, appointments, and authority applicable law requires for every agent who takes a Call and for the business you conduct, in every state where you accept Calls or transact business. Soliciting or selling insurance without the required authority may violate state law. Nothing in these Terms relieves you of that obligation.

3.2 Registration and account security

• You must be at least 18 years old and provide accurate, complete information.
• You are responsible for all activity under your account and under the logins of every team member you invite, and for safeguarding credentials.
• Logins are for the named user only and may not be shared, sold, or transferred.
• You must notify us promptly using the details in Section 18 if you suspect unauthorized use.

3.3 Agencies and team members

An Agency is responsible for its agents’ and team members’ compliance with these Terms, for their licensure, and for all fees incurred under its account.

4. The services

4.1 What we provide

Subject to these Terms and your Agreement, we deliver Calls from Consumers who have answered the qualification questions for your Program, route them only from the states you select, only during your delivery hours and up to your daily cap, and provide the Portal with call records, recordings, application logging, reporting, billing and statements. Under pay per call you may receive Calls at a telephone number you designate or in the Portal. Under pay per application your agents take Calls and log Applications in the Portal.

4.2 What we do not provide

• No volume guarantee. We do not guarantee any number of Calls, that your daily cap will be reached, any conversion rate, any Application volume, or any level of commissions or income.
• No employment or agency relationship. You are an independent business. Nothing here creates an employment, partnership, joint venture, or franchise relationship, and neither party may bind the other.
• No insurance, legal, tax, or compliance advice. We are not an insurer, insurance producer, or law firm. Information in the Services is not legal or compliance advice.
• No carrier appointment. We do not appoint you with, or represent, any insurance carrier.

4.3 Availability and changes

We may modify, suspend, or discontinue any part of the Services at any time. We will make reasonable efforts to give advance notice of material changes that adversely affect a funded program. The Services are provided on an as-available basis and may be interrupted for maintenance, upgrades, third-party outages, or events outside our control.

5. Fees, billing and payment

5.1 Prepaid Balance

All programs are prepaid. You fund your Prepaid Balance before delivery begins, and each fee is drawn from it when it becomes due. Delivery pauses when your Prepaid Balance cannot cover the next fee and resumes when you top it up. You can see your Prepaid Balance, each charge, and each top-up in the Portal.

5.2 Pay per application

Pay per application starts at $199 per Billable Application for Final Expense and for Medicare. You are not charged for receiving a Call, for speaking with a Consumer, or for the length of a conversation. Your agents must log every Application on the Call from which it arose, in the Portal, before the Call ends. Your rate is set in your Agreement and moves up or down with your agents’ conversion as described in your Agreement.

5.3 Pay per call

Pay per call starts at $25 per Billable Call for Final Expense and for Medicare. Your price depends on the states, caller ages and Buffer in your Agreement. A Call that ends before your Buffer is not billable. A Call that lasts beyond your Buffer is billed once, however long it continues. Each Call’s duration and billable status are shown in your call log.

5.4 Your rate

The rate that applies to your account is the rate in your Agreement. Published starting rates are subject to change. There is no subscription fee and no separate charge for Portal access.

5.5 Eligibility of an application

An Application is not billable where it duplicates an Application already logged for the same Consumer and Program, was not generated from a Call delivered through the Services, or was submitted for a Consumer who did not agree to the contact. An Application that is fabricated or falsified, or that is logged, withheld, or deleted for the purpose of generating or avoiding a charge, is a breach of these Terms, and we may charge the fee that would have applied.

5.6 Pay per call returns

If a Billable Call does not meet the criteria in your Agreement, you may request a return from your call log within 30 days of the Call. Each request is reviewed against the recording and call record. If a return is approved, the fee for that Call is credited to your Prepaid Balance. The decision is shown next to the Call in the Portal. A return credit is not redeemable for cash.

5.7 Payment

You fund your Prepaid Balance by the payment methods we accept. Payments may be processed by third-party payment processors. We do not store full card numbers or full bank account numbers. You authorize us and our payment processors to charge the payment method you provide for amounts you authorize. You are responsible for any taxes other than taxes on our net income.

5.8 Refunds, disputes and non-payment

• Amounts drawn from your Prepaid Balance are non-refundable except as provided in Section 5.6, where required by law, or where we agree in writing.
• If you believe a charge was made in error, you must notify us within 30 days of the charge, with the Call or Application details, so that we can investigate.
• Initiating a chargeback without first contacting us is a breach of these Terms. We may suspend delivery and recover related fees and costs.
• We may suspend or terminate access for non-payment, and you remain liable for amounts already incurred.

6. Acceptable use

You agree that you will not, and will not permit any other person to:

• Use the Services for any unlawful purpose, or in violation of the Telephone Consumer Protection Act, state telemarketing or do-not-call laws, insurance regulations, CMS marketing rules, or carrier requirements.
• Resell, sublicense, redistribute, broker, or otherwise transfer Calls, Consumer Data, or Portal access to any third party without our prior written consent.
• Misrepresent your identity, licensure, appointments, or affiliation, or represent yourself as acting for Life Leads Plus, a carrier, a government program, Medicare, or the Health Insurance Marketplace.
• Log false, duplicate, or inflated Applications, fail to log Applications, or otherwise manipulate billing or reporting.
• Contact a Consumer for any purpose other than the Program for which the Call was delivered, or retain or reuse Consumer Data after your account is closed except as required by law or carrier recordkeeping obligations.
• Copy, scrape, crawl, harvest, frame, mirror, reverse engineer, decompile, or create derivative works from the Services or their underlying software.
• Probe, scan, or test the vulnerability of the Services, breach or circumvent authentication or rate limits, or access data not intended for you, including another client’s data.
• Introduce malware, or use the Services to transmit unsolicited or unlawful communications.
• Use automated means to access the Services other than through interfaces we provide, or impose an unreasonable load on our infrastructure.

We may investigate suspected violations and may suspend access immediately where we reasonably believe conduct threatens the Services, another client, a Consumer, or our legal or regulatory position.

7. Compliance responsibilities

7.1 Your obligations

You act as an independent business and are solely responsible for the lawfulness of your own conduct. Without limiting Section 6, you agree that you will:

• Hold and maintain whatever licenses, appointments, and authority applicable law requires for every agent who takes a Call.
• Comply with the TCPA, the Telemarketing Sales Rule, applicable state telemarketing statutes, and our TCPA & Compliance Policy, including do-not-call and consent-revocation obligations.
• Comply with applicable federal and state rules governing the marketing and sale of the products you sell, including CMS marketing and Scope of Appointment requirements where they apply.
• Obtain any consent required in the Consumer’s state before recording or monitoring a call.
• Handle Consumer Data in accordance with applicable privacy and data security law, use it only to service the Consumer’s inquiry, and protect it with reasonable safeguards.
• Accurately represent products, carriers, premiums, and benefits, and submit Applications truthfully.
• Promptly forward to us any complaint, regulatory inquiry, demand, or litigation relating to a Call or Consumer delivered through the Services.

7.2 Allocation of TCPA and do-not-call responsibility

Responsibility for compliance with the Telephone Consumer Protection Act, the Telemarketing Sales Rule, and federal and state do-not-call rules is allocated between the parties according to which party controls the communication.

Control passes to you at the moment a Call is connected to you, or Consumer Data is delivered to your account. Everything before that moment is ours. Everything you originate after it is yours.

What we are responsible for

Life Leads Plus is responsible for its own compliance with those laws for conduct within our control, which includes:

• the manner in which consent is obtained, disclosed, recorded, and retained for Consumer inquiries we source;
• our scrubbing of those records against the National Do Not Call Registry, applicable state registries, and our internal do-not-call list;
• calls, text messages, and other communications that we originate, whether to Consumers or to clients;
• the dialing, routing, and messaging systems we operate; and
• the acts and omissions of vendors acting on our behalf and under our direction.

Where a violation of the TCPA or of do-not-call rules arises out of that conduct, Life Leads Plus accepts responsibility for it and will indemnify you on the terms in Section 14.2.

What you are responsible for

Once a Call is connected to you or Consumer Data is delivered to your account, you are the caller and the sender for every subsequent communication you make. We have no control over, and no ability to supervise, whether, when, how often, by what technology, or with what content you contact a Consumer. You are responsible for your own compliance from that point, including:

• any call, text message, voicemail, ringless voicemail, or email you originate, including any recontact or follow-up campaign;
• your use of any dialer, automatic telephone dialing system, prerecorded or artificial voice, or AI-generated voice;
• your handling of a revocation of consent that a Consumer communicates to you directly, by any reasonable means;
• your maintenance of, and adherence to, your own internal do-not-call list;
• your observance of permitted calling hours in the Consumer’s time zone; and
• the caller identification you transmit.

Where a violation arises out of that conduct, you accept responsibility for it and will indemnify Life Leads Plus on the terms in Section 14.1.

Neither party answers for the other

Nothing in this Section makes either party liable for the acts or omissions of the other. Delivering a Call or Consumer Data to you is not a representation that any contact you later make is lawful, and your compliance obligations are independent of ours. Each party’s responsibility is limited to conduct within its own control as described above.

8. Intellectual property

8.1 Our rights

The Services, including the Portal, its software, source code, user interfaces, design, layout, graphics, text, reports, documentation, databases, and the compilation and organization of the foregoing, are owned by Life Leads Plus or its licensors and are protected by United States and international copyright, trademark, trade secret, and other intellectual property laws. All rights not expressly granted are reserved.

Life Leads Plus, the Life Leads Plus name and logo, and our other names, marks, and slogans are our trademarks. You may not use them without our prior written permission, or in a manner likely to cause confusion or to suggest sponsorship or endorsement.

8.2 Your license

Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for the sole purpose of receiving Calls and submitting Applications in your own insurance business. This license terminates automatically when your account is terminated.

8.3 Your content and feedback

You retain ownership of content you submit. You grant Life Leads Plus a non-exclusive, worldwide, royalty-free license to host, store, process, transmit, and display that content as necessary to operate the Services and comply with law. If you send us suggestions or feedback, you grant us an unrestricted, perpetual, irrevocable, royalty-free right to use it without obligation or compensation to you.

8.4 Copyright complaints

If you believe material in the Services infringes your copyright, send a notice with the elements required by 17 U.S.C. § 512(c)(3) to the address in Section 18.

9. Third-party services

The Services depend on third parties, including payment processors, telephony and messaging carriers, and cloud hosting providers. Your use of those services may be subject to their own terms. We are not responsible for the acts, omissions, availability, or content of third parties, and third-party outages may interrupt Calls, messaging, or billing. Links to third-party sites are provided for convenience and are not endorsements.

10. Confidentiality

Each party may receive non-public information of the other, including pricing, routing logic, reporting data, and Consumer Data. The receiving party will use such information only to perform under these Terms, will protect it with at least reasonable care, and will not disclose it except to personnel and advisors bound by comparable obligations or as required by law. This section does not apply to information that is or becomes public through no fault of the receiving party, was already lawfully known, or is independently developed. Consumer Data is also governed by the Privacy Policy and applicable law.

11. Term, suspension and termination

These Terms apply from your first use of the Services until terminated. You may terminate at any time by giving us notice and ceasing use. We may suspend or terminate your access, with or without notice, for breach of these Terms, non-payment, suspected fraud, regulatory or carrier requirement, or risk to the Services or to Consumers.

On termination: your license under Section 8.2 ends; you must stop using the Services; unpaid fees become immediately due; and any remaining Prepaid Balance is handled as set out in your Agreement or, if your Agreement is silent, is forfeited unless we agree otherwise in writing or law requires otherwise. Sections 5.8, 6, 7, 8, 10, and 12 through 17 survive termination.

12. Disclaimers

THE SERVICES AND ALL CALLS, DATA, AND MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, LIFE LEADS PLUS DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

LIFE LEADS PLUS DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT ANY CALL WILL RESULT IN AN APPLICATION OR SALE, OR THAT ANY CONSUMER INFORMATION IS ACCURATE, COMPLETE, OR CURRENT. LIFE LEADS PLUS MAKES NO REPRESENTATION THAT THE SERVICES ARE APPROPRIATE OR AVAILABLE FOR USE IN ANY PARTICULAR JURISDICTION.

NO ADVICE OR INFORMATION OBTAINED FROM LIFE LEADS PLUS CREATES ANY WARRANTY NOT EXPRESSLY STATED HERE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN EXCLUSIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LIFE LEADS PLUS AND ITS OWNERS, MANAGERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, COMMISSIONS, BUSINESS, GOODWILL, OR DATA, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, WHETHER IN CONTRACT, TORT, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

LIFE LEADS PLUS’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES DRAWN FROM YOUR PREPAID BALANCE IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

THESE LIMITATIONS APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU. NOTHING HERE LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

The caps and exclusions in this Section do not apply to either party’s indemnification obligations under Section 14. A cap would otherwise make the responsibility each party accepts in Section 7.2 meaningless, and the carve-out applies equally in both directions.

14. Indemnification

14.1 Your indemnity to us

You will defend, indemnify, and hold harmless Life Leads Plus and its owners, managers, officers, employees, and agents from and against any claim, demand, action, proceeding, loss, liability, damage, fine, penalty, settlement, cost, or expense (including reasonable attorneys’ fees) arising out of or relating to:

• your use of the Services or any Call or Consumer Data you receive;
• your breach of these Terms or of any representation you make in them;
• your violation of any law or regulation, including the TCPA, state telemarketing or do-not-call law, insurance regulation, or CMS marketing rules;
• your recording or monitoring of any call;
• any Application you submit, or any product you sell or attempt to sell; or
• your violation of the rights of any third party, including any Consumer.

14.2 Our indemnity to you

Life Leads Plus will defend, indemnify, and hold harmless you and your officers, employees, and agents from and against any third-party claim, demand, action, proceeding, loss, liability, damage, fine, penalty, settlement, cost, or expense (including reasonable attorneys’ fees) to the extent it arises out of Life Leads Plus’s own violation of the TCPA, the Telemarketing Sales Rule, or federal or state do-not-call rules in connection with conduct within our control as described in Section 7.2.

This obligation does not apply to the extent a claim arises out of:

• any communication you originated, or the manner, timing, frequency, content, or technology of your outreach;
• your use or retention of Consumer Data after it was delivered to you;
• your breach of these Terms, including Section 7.1; or
• your own act or omission, or that of anyone acting on your behalf.

Where a claim arises partly from each party’s conduct, each party is responsible for the portion attributable to its own conduct.

14.3 Procedure

A party seeking indemnity must notify the other promptly in writing, must not prejudice the defense, and must cooperate reasonably at the indemnifying party’s expense. The indemnifying party controls the defense and settlement with counsel of its choosing, and the other party may participate with its own counsel at its own expense. Neither party may settle a claim in a way that imposes an obligation, admission, or payment on the other without that party’s prior written consent, which will not be unreasonably withheld.

15. Dispute resolution

15.1 Governing law

These Terms are governed by the laws of the State of Colorado, without regard to its conflict-of-laws rules, and by applicable federal law including the Federal Arbitration Act.

15.2 Informal resolution first

Before filing a claim, you agree to contact us at the address or telephone number in Section 18 and describe the dispute, and to allow 30 days for the parties to attempt a good-faith resolution. This step is a condition precedent to commencing arbitration.

15.3 Binding arbitration

Except as stated in Sections 15.5 and 15.6, any dispute arising out of or relating to these Terms or the Services will be resolved by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. Arbitration will take place in Denver County, Colorado, or by videoconference or on documents at the parties’ election. The arbitrator has exclusive authority to resolve threshold questions of arbitrability. Judgment on the award may be entered in any court of competent jurisdiction.

15.4 Class action waiver

Disputes will be resolved only on an individual basis. You and Life Leads Plus each waive any right to bring or participate in a class, collective, consolidated, or representative action. The arbitrator may not consolidate claims or preside over any form of representative proceeding. If this paragraph is found unenforceable as to a particular claim, that claim will be severed and heard in court, and the remainder of Section 15 will continue to apply.

15.5 Exceptions

Either party may bring an individual action in small claims court, and either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property or confidential information. For any claim not subject to arbitration, the parties consent to exclusive jurisdiction and venue in the state or federal courts located in Denver County, Colorado.

15.6 Your right to opt out of arbitration

You may opt out of Sections 15.3 and 15.4 by sending written notice, within 30 days of first accepting these Terms, to Life Leads Plus at the address in Section 18. The notice must include your name, your account email or telephone number, and a clear statement that you opt out of arbitration. Opting out does not affect any other part of these Terms.

15.7 Time limit

To the extent permitted by law, any claim must be filed within one (1) year after it arises, or it is permanently barred.

16. Changes to these Terms

We may revise these Terms from time to time. The “Last updated” date at the top reflects the most recent revision. For material changes we will provide reasonable notice, such as a notice in the Portal or a message to the contact details on your account, before they take effect. Continued use after the effective date constitutes acceptance. If you do not agree, stop using the Services and close your account.

17. General provisions

• Entire agreement. These Terms, your Agreement, the Privacy Policy and the TCPA & Compliance Policy are the entire agreement between the parties on this subject and supersede prior agreements and understandings. If these Terms conflict with your Agreement, your Agreement controls for the matters it covers.
• Assignment. You may not assign these Terms without our prior written consent. We may assign them in connection with a merger, acquisition, reorganization, or sale of assets.
• Severability. If a provision is held unenforceable, it will be modified to the minimum extent necessary, and the remaining provisions remain in effect.
• No waiver. A failure to enforce a provision is not a waiver of it.
• Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, including carrier outages, network failures, natural disasters, and government action.
• Notices. We may give notice in the Portal or by using the contact details on your account. Notices to us must be sent to the address in Section 18.
• Electronic communications. You consent to receive communications from us electronically and agree that electronic records and signatures satisfy any legal writing requirement.
• Headings. Headings are for convenience only and do not affect interpretation.

18. Contact us

Questions about these Terms, billing disputes, and legal notices should be directed to:

Life Leads Plus
123 Main Street, Suite 100
Denver, CO 80202
United States
(303) 555-0100