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Terms of Service

Terms of Service

Effective Date: October 15, 2025

Welcome to myinsurancesecret.com ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website, products, and services (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Services.

1. Eligibility

You must be at least 18 years of age and a U.S. resident to use the Services. By using our platform, you represent that you meet all legal eligibility requirements.

2. Services Provided

Myinsurancesecret.com provides educational information, tools, and assistance related to life insurance policies. We do not issue, underwrite, or directly sell insurance. All quotes, recommendations, or comparisons are for informational purposes only and do not constitute binding offers or financial advice.

3. Account Registration

When creating an account, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

4. No Legal or Financial Advice

The materials provided are for general informational purposes. We are not a licensed insurance carrier, financial institution, or legal advisor. Please consult a licensed agent or financial professional before making insurance or investment decisions.

5. Privacy and Data Protection

Your privacy is important to us. We comply with applicable federal and state laws, including the Gramm-Leach-Bliley Act (GLBA) and the California Consumer Privacy Act (CCPA). Personal data collected is used only as described in our Privacy Policy. We implement commercially reasonable safeguards to protect your information.

6. User Conduct

You agree not to:

Use the Services for fraudulent or unlawful purposes.

Attempt to gain unauthorized access to the system or data.

Interfere with the operation or security of the website.

Use automated systems (such as bots or scrapers) to extract website content without permission.

We reserve the right to terminate service to users who violate these conditions.

7. Intellectual Property

All content, trademarks, logos, and software on myinsurancesecret.com are the property of the Company or its licensors. You may not copy, reproduce, modify, or distribute any content without written consent.

8. Third-Party Links and Services

Our Services may include links to third-party platforms or advertisers. We are not responsible for the content, accuracy, or privacy practices of those third parties. Interactions with those entities are governed by their respective terms and policies.

9. Disclaimers and Limitation of Liability

The Services are provided "as is" and without warranties of any kind, express or implied. We do not warrant that the Services will be uninterrupted, error-free, or completely secure.
To the maximum extent permitted by law, the Company and its affiliates shall not be liable for any indirect, incidental, or consequential damages arising out of your use of the Services.

10. Indemnification

You agree to indemnify and hold harmless the Company, its affiliates, employees, and partners from any claims, losses, liabilities, damages, or expenses (including legal fees) arising from your misuse of the Services or violation of these Terms.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the United States and the State of North Carolina, without regard to conflict-of-law principles. Any disputes will be resolved exclusively in the courts located in Pender County, North Carolina.

Binding arbitration may be required for certain disputes, as described in our Privacy Policy and any applicable arbitration agreement.

12. Changes to Terms

We may update these Terms from time to time. The updated version will be posted with a new effective date. Continued use of the Services after any changes constitutes your acceptance of the revised Terms.

13. Contact Information

For questions, comments, or legal notices, please contact:


MyInsuranceSecret.com
Attn: Legal Department
Hampstead, NC, USA
Email: [email protected]


FAQ

How do you get me covered with affordable life insurance?

We partner with independent state licensed agents that affirm our 8 core values which are listed below. We focus on finding clients that want a caring state licensed professional broker that can cover all their options. Our brokers apprentice to know field underwriting (how to make sure the client gets and stays covered) and how to get apps approved that stay on the books that are affordable. We work for our clients, not the insurance companies.

Can you get me covered if I have a medical condition?

With our experience, many of our clients that have minor health glitches like high blood pressure or diabetes get affordable quality insurance, often with great options. We also serve clients with more major issues including copd, cancer, and heart disease. These people that thought they were uninsurable often get coverage that they best qualify for to protect their loved ones. We educate our clients about the life insurance process and get our clients policies that work for today and for tomorrow.

Can I do it all online?

Mostly. Most of our best products are not available through a client accessible web application as the companies require a broker's license. We use state licensed brokers to go between you and the insurance companies. You do not pay the broker's fees. A broker or their assistant will take 3-5 minutes and verify a few of your answers so that you can have offers based of your answers. We follow all state and federal guideline and will confirm your identity and give you a few best suited options from up to 50+ top rated insurance companies. All companies are rated by AM Best, that has been ranking insurance companies since 1899. The state licensed insurance professional will confirm their identity and provide a security question like a favorite musician, actor, or book that you answered. Generally you can get covered in 20 minutes or less if healthy. They do not charge you for their time or service.

How do I apply?

Fill out the form that starts with first things first and we will guide you from there. Generally it takes about 2-4 minutes. We then verify your info and get you generally three affordable options.

We work to get you the best possible rates

even for those with challenging health concerns.

First things first. The basics.

You will need about 2-4 minutes to finish this process.

Who needs this insurance?

First things first. The Basics.

How much coverage are you looking to get put in place?

Insurance Coverage Requested
Type of coverage requested

What state do you live in?

State of primary residency

What Is your zip code?

Have you used any tobacco or nicotine products in the past 24 months?

What is your height and weight?

Current height? (usually what is on your drivers license / state id)

Usually what is on your drivers license / state id works.

We use this to find you the best rate from over 50 companies.

Besides vitamins have any medications been prescribed in the last 25 months?

Have you or a family member had any of the following (cancer, copd, heart attack, or stroke)?

Great news! No physical medical examination should be required.

You are also pre-qualified to leave an inheritance for your loved ones with affordable life insurance.

Your next step is to complete the form below

Great news! No physical medical examination should be required.

You are also pre-qualified to leave an inheritance for your loved ones with affordable life insurance.

Your next step is to complete the form below

We will send your verification to this number.

Great news! No physical medical examination should be required.

You are also pre-qualified to leave an inheritance for your loved ones with affordable life insurance.

Your next step is to complete the form below

If you prefer quotes to email let us know.

Watch this quick video about what happens next.

Will you verify you are real?

The assigned agent will send you their State License number to verify their identity. You may verify them at  National Insurance Producer Registry (NIPR) website.

Congratulations! Let's fast track your case. Please enter your mobile number below

We will verify your cellphone number to prove your identify. If our verification service shows a virtual number, we will close out your file as unreachable.

How fast do you want offers?

We shop 50 plus A rated insurance companies to get you the best rates.

How would you prefer to receive your options?

All agents are licensed in the state of our clients. All of agents are members of the National Insurance Producer Registry (NIPR).

Do you have a billing preference?

Note: We are compliant with state and federal laws. All insurance companies that we work with have the highest standards of ethical requirements and require all brokers to be subject to anti-money laundering (AML) regulations, including Customer Identification Program (CIP) requirements under the Bank Secrecy Act (BSA) as implemented by the Financial Crimes Enforcement Network (FinCEN). These regulations require financial institutions, including certain insurance companies, to have procedures to verify the identity of customers and maintain records, but the primary responsibility for verifying bank account information (such as whether it is a legitimate U.S. bank account) lies with the banks themselves. Banks must verify the identity of account holders to form a reasonable belief of the true identity of their customers.

Last things last. We will start shopping your best options now.

We use this to verify that you are not a robot. Please answer the question which our agent will use to verify they are authorized us to contact you.

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What makes us who we are.

Our Core Values

  • Core Value #1

    Relationships matter, people come first

  • Core Value #2

    Relentless pursuit of personal growth

  • Core Value #3

    Open, honest, and productive communication

  • Core Value #4

    We do the right thing even when no one is looking

  • Core Value #5

    We work as a true team and strive to be a positive influence

  • Core Value #6

    We act like owners because we own it

  • Core Value #7

    Being of service and doing good in the world

  • Core Value #8

    We have fun and we get stuff done

Copyright © 2023-2026 All Rights Reserved. | Privacy and Terms of Service. Myinsurancesecret.com is part of Adair Life Insurance which is a private insurance brokerage located in Hampstead NC. We use phone, text, and/or email to reach our clients when they opt in to our service. We do not cold call because it bugs us too. If you sign up for us to reach out then we will contact you as soon as possible and will use two identifying questions. Normally we call between 9 AM to 7 PM. All of agents work under independent licenses with their own unique license numbers. These numbers will be furnished at time of booking an appointment and can be confirmed at the National Insurance Producers Registry. All agents much sign our core values pledge. We promise to do the right thing because relationships matter and people come first.

CONTACT US

Offices in Hampstead, NC

Phone: 910-708-4887