Effective Date: April 21, 2026
Welcome to UNUMityInsure. These Terms of Service govern your use of our website located at unumityinsure.com and all related services provided by UNUMityInsure ("we," "our," or "us"). Please read these Terms carefully before using our website or services.
By accessing or using the UNUMityInsure website and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services. These Terms apply to all visitors, users, and others who access or use our services.
UNUMityInsure provides the following services:
We are a licensed insurance agency in the state of Florida. Our services are intended for Florida residents and licensed insurance agents operating in Florida.
The information provided on this website is for general informational purposes only and does not constitute insurance, financial, legal, or tax advice. Coverage availability, eligibility, and pricing vary by carrier, product, and individual circumstances.
You should consult with a licensed insurance professional before making any insurance decisions. While our agents are licensed and knowledgeable, any information provided through this website alone should not be relied upon as a substitute for personalized professional advice.
Our services are available to individuals who are 18 years of age or older. By using our website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.
Lead generation services are available exclusively to licensed insurance agents. By purchasing leads, you represent that you hold a valid insurance license in the applicable state(s).
When using our website and services, you agree not to:
We make reasonable efforts to verify and qualify leads before delivery. However, we do not guarantee that any lead will result in a sale, policy, or other business outcome. Lead quality can vary based on market conditions and consumer behavior.
All lead purchases are final. We do not offer refunds on purchased leads. If you believe a lead was delivered in error or is clearly invalid (e.g., disconnected phone number, non-existent email), please contact us within 48 hours of delivery and we will review your request on a case-by-case basis.
By purchasing leads, you agree to contact prospects in full compliance with all applicable laws, including but not limited to the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and applicable state telemarketing laws.
All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of UNUMityInsure or its content suppliers and is protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from this website without our prior written consent.
We work with third-party insurance carriers and service providers to deliver our services. We are not responsible for the products, services, or conduct of these third parties. Any insurance policy you obtain through our referrals is a contract between you and the issuing carrier, not UNUMityInsure.
Links to third-party websites are provided for convenience only. We do not endorse and are not responsible for the content or practices of any linked websites.
Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or reliability of any content on our website.
To the fullest extent permitted by applicable law, UNUMityInsure and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising out of or related to these Terms or our services shall not exceed the amount you paid us in the three (3) months preceding the claim.
You agree to indemnify, defend, and hold harmless UNUMityInsure and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of our services, your violation of these Terms, or your violation of any rights of another.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Florida.
We reserve the right to modify these Terms at any time. We will post the updated Terms on this page with a revised effective date. Your continued use of our website or services after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.
If you have any questions about these Terms of Service, please contact us:
We're happy to clarify anything. Reach out and we'll get back to you promptly.