Effective date: October 29, 2026
These Terms & Services ("Terms") govern your access to and use of the website annpnolen.com (the "Site") operated by NolenLife Insurance ("NolenLife," "we," "us," or "our"). By accessing the Site, submitting forms, or requesting information through the Site, you agree to these Terms. If you do not agree, do not use the Site.
NolenLife is an insurance agency that markets, solicits, and services insurance products underwritten by independent third-party insurance carriers. We are not an insurer. Coverage is subject to underwriting approval, policy terms, conditions, exclusions, and endorsements issued by the applicable carrier. Descriptions on the Site are summaries only and do not amend or replace any policy language.
Quotes, premium illustrations, and coverage examples displayed on the Site or provided through forms are estimates unless and until a carrier issues a binder or policy. Rates change based on risk factors including but not limited to age, health, driving history, property characteristics, limits, deductibles, and claims experience.
You represent that you are at least eighteen years of age and have authority to request insurance information for yourself or the entity you represent. You agree to provide accurate, complete, and current information in all forms and communications. Material misrepresentation may void coverage or result in denial of claims under carrier rules and applicable law.
Submitting a contact form, quote request, newsletter subscription, or similar interaction does not bind insurance coverage, guarantee issuance, or create an agency relationship beyond what is established by applicable law and carrier appointment rules. A licensed advisor must confirm eligibility, finalize applications, collect signatures, and process payment before coverage takes effect.
Insurance products are offered and sold only by individuals licensed in the jurisdictions where required. Product availability varies by carrier appointment and state or provincial regulation. We may share your information with appointed carriers and service providers solely to fulfill your request.
You agree not to misuse the Site, including attempting unauthorized access, introducing malware, scraping content at scale, impersonating others, or using the Site for unlawful purposes. We may suspend access to protect the Site, our clients, and partners.
The Site design, logos, text, graphics, and compilation are owned by NolenLife or licensed to us and protected by intellectual property laws. You may view and print pages for personal, non-commercial use. You may not reproduce, distribute, or create derivative works without written permission.
The Site may reference carrier portals, payment tools, or social platforms operated by third parties. We do not control and are not responsible for third-party content, privacy practices, or availability. Your use of third-party services is at your own risk and subject to their terms.
By providing your email address, you consent to receive transactional and marketing communications related to your inquiry. You may opt out of marketing messages via unsubscribe links or our unsubscribe page. Service messages about active policies may continue as allowed by law.
THE SITE AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
Educational articles and blog posts are general information and not legal, tax, or financial advice. Consult qualified professionals for decisions about estate planning, business structure, or investments tied to insurance.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOLENLIFE AND ITS OFFICERS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SITE OR RELIANCE ON SITE CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our aggregate liability for direct damages relating to the Site shall not exceed one hundred dollars (USD) or the amount you paid us for agency services in the twelve months preceding the claim, whichever is greater, except where prohibited by law.
You agree to indemnify and hold harmless NolenLife from claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, misuse of the Site, or inaccurate information you provide.
Our collection and use of personal information is described in the Privacy Policy, which is incorporated into these Terms by reference.
We may update these Terms periodically. The effective date at the top will change when revisions are posted. Continued use of the Site after changes constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the state in which NolenLife maintains its principal agency operations, without regard to conflict-of-law principles. Disputes shall be resolved in the courts of that jurisdiction unless applicable consumer protection laws require otherwise.
If any provision is held invalid, the remaining provisions remain in effect. These Terms, together with the Privacy Policy and any written agreement you sign with NolenLife or a carrier, constitute the entire agreement regarding Site use.
Except where prohibited, you agree that disputes arising from these Terms or the Site will be resolved through binding individual arbitration rather than in court, and you waive any right to participate in a class action or representative proceeding. You may opt out of this provision within thirty days of first accepting these Terms by sending written notice to our email contact.
We are not liable for delays or failures caused by events beyond reasonable control, including natural disasters, carrier system outages, labor disputes, or governmental actions that affect our ability to operate the Site or place coverage.
You may not assign your rights under these Terms without our consent. We may assign our rights in connection with a business transfer as described in our Privacy Policy.
If you submit suggestions or feedback about the Site or our services, you grant us a perpetual, royalty-free license to use that feedback to improve operations without obligation to you.
Questions about these Terms may be directed to info@annpnolen.com.
