Terms and Conditions

What Services Do We Provide?

Highwood Life Insurance provides information, personalized quotes and application help for term life, whole life, universal life, final expense, mortgage protection and children's life insurance, along with term conversion and reviews of existing policies.

Descriptions on this website are general. Eligibility, coverage and premiums are set by the insurance company that issues a policy, based on your application.

How May the Website Be Used?

You may use this website for lawful purposes and to learn about our services. Its content is educational and is not a substitute for advice about your own circumstances.

Are Quotes Final?

No. Quotes given by phone are estimates based on the information you provide and do not promise coverage or a particular price. Final premiums depend on underwriting by the issuing insurer.

No policy takes effect until an application is approved and any required first premium is paid.

Who Owns the Content?

The content of this website belongs to Highwood Life Insurance or is used with permission, and it may not be copied for commercial purposes without written consent.

What Are the Disclaimers?

This website is provided as is. We work to keep it accurate but cannot promise that all information is complete or current. The benefits, terms and exclusions of any policy are stated in the contract issued by the insurer.

Is Our Liability Limited?

To the extent the law allows, Highwood Life Insurance is not liable for indirect or consequential damages arising from your use of this website.

What About Linked Sites?

This website may link to sites run by others. We are not responsible for their content or practices.

Governing Law

These terms are governed by the laws of the State of Illinois.

Can These Terms Change?

Yes. We may revise these terms at any time by posting an updated version on this page and changing the date above.