Terms & Conditions

Effective September 9, 2026

By using this website, you agree to these terms. The information provided is for general informational purposes and does not constitute a guarantee of insurance coverage, approval, pricing, or benefits.

No coverage created

Submitting a form, requesting information, or speaking with a representative does not create an insurance contract. Coverage becomes effective only as provided by an issued policy and is subject to eligibility, underwriting, carrier approval, premiums, exclusions, limitations, and policy terms.

Independent service

Encore Life is not an insurance carrier, mortgage lender, or government agency and is not affiliated with or endorsed by any mortgage lender or government agency.

Communications

If you provide consent, Encore Life and its licensed insurance agents may contact you regarding your inquiry. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out of text messages.

Website use

You agree not to misuse this site, interfere with its operation, attempt unauthorized access, or submit false or fraudulent information. We may update these terms periodically by posting a revised effective date.