These terms govern your use of https://nectarinsure.com and the Nectar Term quote and application flow, operated by NECTAR LEGAL NAME ("Nectar", "we"). By using the site you agree to them.
Prices are estimates, not offers
Every price on this site, including the price shown at the end of the application, is an estimate calculated from published rate tables and the answers you give. It is not an offer of coverage and not a binding quote. The final premium, the rate class and whether coverage is issued at all are decided by the issuing insurer during underwriting. Approval odds and decision times are estimates from your answers and the insurer's published guidelines.
No advice
The guides on this site are general information written for a broad audience. They are not legal, tax, financial or medical advice, and they do not account for your situation. Talk to a licensed agent about your own needs before buying; we are happy to be that agent.
See what Nectar Term would cost you
Two minutes to a price, with your approval odds up front. No calls unless you ask.
Who can apply
You must be at least 18, a resident of a state where Nectar Term is offered, and applying for coverage on your own life or, with their knowledge and consent, on the life of a spouse who completes their own application. You agree that the answers you give are true and complete. Misstatements on a life insurance application can void the policy.
Your account
Your Nectar account is protected by one-time codes sent to your mobile number or email. Keep those codes to yourself; anything done in your account with a valid code is treated as done by you. Tell us at once if you believe someone else has access.
Texts and emails
Giving us your mobile number is consent to receive texts about your quote and application. Message and data rates may apply. Reply STOP to opt out at any time.
Intellectual property
The text, design, calculators and code on this site belong to Nectar or its licensors. You may read and print pages for personal use. You may not copy, scrape, republish or sell them.
Limits of liability
The site is provided as is. To the fullest extent the law allows, Nectar is not liable for indirect, incidental or consequential losses arising from your use of the site, and its total liability for any claim relating to the site is limited to $100. Nothing in these terms limits liability that cannot be limited by law, or any obligation under your insurance policy, which is governed by the policy itself.
Governing law
These terms are governed by the laws of the State of Ohio, without regard to its conflict of law rules. Any dispute about the site will be heard in the state or federal courts located in Ohio.
Changes
We may update these terms by posting a new version here with a new date. Continued use after a change means you accept it.
Contact
NECTAR LEGAL NAME STREET ADDRESS, CITY, STATE ZIP henry@nectarinsure.com · (000) 000-0000