Terms of Service
Last updated May 07, 2026
These Terms of Service govern your use of the Life Insurance Made Simple website located at yourlifeinsurancemadesimple.com and any services offered through it. By accessing or using this site, you agree to these terms. If you do not agree, please do not use this site.
Questions? Contact us at [email protected].
1. About Us
Life Insurance Made Simple is a family-owned, independent insurance agency operated by Joseph and Denise DeMelfi. We are licensed to sell life insurance and final expense insurance in North Carolina, South Carolina, Virginia, New Jersey, and Pennsylvania. We act as independent agents and work with multiple licensed insurance carriers to find coverage options for our clients.
2. Use of This Website
This website is intended for adults 18 years of age and older who are residents of the states in which we are licensed. You agree to use this site only for lawful purposes and in a manner that does not infringe the rights of others.
You may not use this site to:
- Submit false or misleading information
- Attempt to gain unauthorized access to any part of the site or its systems
- Transmit any harmful, offensive, or disruptive content
- Violate any applicable federal, state, or local law
3. Quote Requests and No Guarantee of Coverage
Submitting a quote request form on this site does not constitute an application for insurance, a binding quote, or a guarantee of coverage or pricing. All coverage is subject to carrier underwriting approval, eligibility requirements, and the terms of the applicable policy.
Information provided on this site is for general informational purposes only and should not be relied upon as legal, financial, tax, or insurance advice specific to your situation. We encourage you to speak directly with Joe or Denise before making any coverage decisions.
The company complies with federal Anti-Money Laundering (AML) regulations.
4. SMS Communications
By opting in to SMS communications through our contact form, you agree to receive text messages from Life Insurance Made Simple regarding your insurance quote request. Message frequency varies. Message and data rates may apply.
- Reply STOP at any time to opt out of SMS messages
- Reply HELP for assistance
- Your mobile number will never be sold or shared with third parties for marketing purposes
- SMS opt-in consent is not a condition of purchasing any product or service
5. Intellectual Property
All content on this site — including text, graphics, logos, and page layouts — is the property of Life Insurance Made Simple or its content suppliers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any content on this site without our express written permission.
6. Third-Party Links
This site may contain links to third-party websites, including insurance carrier sites, government resources, and industry publications. These links are provided for your convenience and information only. We do not control these sites and are not responsible for their content, privacy practices, or accuracy. We are not responsible for errors, omissions, or the accuracy of third-party content. Linking to a third-party site does not constitute an endorsement.
7. Limitation of Liability
To the fullest extent permitted by law, Life Insurance Made Simple and its owners, agents, and affiliates shall not be liable for any direct, indirect, incidental, consequential, punitive, or any and all kinds of damages arising from your use of — or inability to use — this website or any information obtained through it.
This site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
8. Privacy
Your use of this site is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference. Please review it to understand how we collect, use, and protect your information. Despite our best efforts, users of this website expressly understand that the internet is not a secure medium and that confidentiality cannot be guaranteed.
9. Governing Law
These Terms of Service are governed by the laws of the United States and the states in which we are licensed to operate — North Carolina, South Carolina, Virginia, New Jersey, and Pennsylvania — without regard to conflict of law principles. Any disputes arising from your use of this site shall be subject to the jurisdiction of the applicable state courts.
10. Changes to These Terms
We reserve the right to update these Terms of Service at any time. The updated version will be indicated by a revised date at the top of this page. Your continued use of the site after any changes constitutes your acceptance of the updated terms. We encourage you to review this page periodically.
11. Contact Us
If you have questions or concerns about these Terms of Service, please contact us:
Life Insurance Made Simple
[email protected]
[Business mailing address — add when available]
United States