These terms of service, together with any documents they expressly incorporate by reference (collectively, the “Terms”) constitute a legally binding agreement between you, whether personally or on behalf of an entity, your heirs, assigns, and successors (collectively, the “Principal”) and Insured For Life, LLC, a corporation (“Agent”) with regard to the Principal’s retention of the Agent to perform the Services described here. Each of the Principal and the Agent is referred to herein individually as a “Party” and together as the “Parties.”

Scope of Services. The Principal retains the above-named Agent for, and the Agent agrees to perform for the Principal, assistance with locating, obtaining, and maintaining subsidized healthcare plan(s) on behalf of the Principal (the “Services”) through the Affordable Care Act via the Federally-Facilitated Health Insurance Marketplace (the “Marketplace”), subject to Principal’s eligibility for such healthcare plan(s). Any service outside the scope of the Services requires a new agreement for such other services agreed to by the Parties.

Agent’s Authority. The Agent’s authority to bind the Principal is limited to the Services detailed in these Terms. The Agent is not authorized to bind the Principal in any way whatsoever beyond the scope of the Services defined herein.

Income Verification. The Principal attests that its estimated total household income, as provided to Agent, will be at least the Federal Poverty Level for its state and household size (for more information, see here: Federal Poverty Level (FPL) - Glossary | HealthCare.gov). The Principal agrees to notify Agent as soon as it becomes aware of any changes to the expected household income per month that it has provided to Agent. The Principal understands that failure to notify Agent of such changes may affect its eligibility for and associated costs with the healthcare plan(s) located by the Agent on the Principal’s behalf. In some cases, it may be necessary to verify the Principal's income. If income verification is required by the Marketplace, the Principal authorizes Agent to submit an income attestation letter on its behalf with the information provided to the Agent.

Consent to Enrollment. The Principal hereby consents for and authorizes the Agent to enroll it and any other individuals they identified to the Agent in a healthcare plan available through the Marketplace. If the Principal already has health insurance, it requests that the Agent becomes its agent of record and/or switch the Principal to a better plan if one is available. This consent will remain in effect unless and until rescinded in writing by sending an email to mailto:revokeconsent@getinsuredforlife.com The Principal understands that at the time of signing of these Terms, it has not yet applied for health insurance, and that the Agent will be using the information and consents provide herein to fill out, sign, and submit the Marketplace application on the Principal's behalf, and take any other actions pursuant to the authority delegated to the Agent which are deemed necessary or appropriate by the Agent to obtain coverage on the Principal's behalf.

Use of Personal Information. The Principal consents to the use and disclosure by the Agent of (a) the personal information about it and any other individuals provided to the Agent, and (b) any other personal information about the Principal or the other individuals, if any, which may be obtained by the Agent from government data sources, for purposes of selecting, procuring, and maintaining health insurance coverage through the Marketplace, and for any other purposes disclosed in the Agent’s Privacy Policy, including but not limited to those which involve the sharing of its personal information with non-affiliated persons.

The Principal's consent for the Agent to disclose its personal information will remain in effect until the Principal revokes or modifies its consent. The Principal may revoke or modify its consent at any time and/or obtain a copy of this form by sending an email to mailto:revokeconsent@getinsuredforlife.com Revocation of consent will result in the Agent being unable to further disclose personal information and offer the Services. The Agent will maintain this form or a true and correct copy of these Terms in its records. The Principal may want to make a copy of these Terms for its records.

The Principal has read and agrees to the Agent’s website privacy policies, which can be found here - https://getinsuredforlife.com/privacy-ploicy/and the Terms and Conditions which can be found here - https://getinsuredforlife.com/terms-and-conditions/ . Questions about the Agent’s personal information handling practices and the Principal's rights should be directed to mailto:revokeconsent@getinsuredforlife.com Eligibility. The Principal understands that it is required to provide true and complete answers to the questions posed above and that it may be asked to provide additional information, including proof of eligibility for a Special Enrollment Period if it qualifies. If the information provided by the Principal is not true and complete, it may face penalties, including the risk of losing eligibility for subsidies and coverage.

The Principal understands that if anyone identified above as needing coverage is enrolled in Marketplace coverage and is later found to have other qualifying health coverage (like Medicare, Medicaid, or CHIP), the Marketplace may end their Marketplace plan coverage and/or subsidy.

Renewal of Coverage. To make it easier to determine the Principal's eligibility for help paying for coverage in future years, the Principal agrees to allow the Marketplace to use its income data, including information from tax returns, for the next 5 years. The Marketplace will send a notice, let the Principal make any changes, and they can opt out at any time.

Tax Attestation. The Principal understands that it is not eligible for a premium tax credit if it is found eligible for other qualifying health coverage, like Medicare, Medicaid, the Children’s Health Insurance Program (“CHIP”), or a job-based health plan. The Principal also understands that if it or any anyone identified above becomes eligible for other qualifying health coverage, the Principal must contact the Marketplace to end its Marketplace coverage and premium tax credit for such person. Failure to do so may result in requiring the person who files taxes in the Principal’s household to pay back the premium tax credit. The Principal understands the foregoing does not constitute tax advice and that it should consult a qualified tax advisor prior to enrolling in health insurance coverage provided via the Marketplace should it have any questions regarding any tax credits for which it may be eligible, its tax returns, or any other related tax matters.

Phone Number. The Principal confirms that it is the owner or primary user of the mobile phone number provided or is authorized to provide the consent of the owner or primary user to receive calls or messages at that mobile phone number. The Principal, or the individual on whose behalf they are acting, agrees to receive marketing calls or text messages at the phone number provided, including autodialed or prerecorded message calls or text messages. Consent is not a condition of any purchase. Message and data rates may apply.

Accuracy of Information. The Principal is signing these Terms under penalty of perjury, which means it has reviewed the information provided to the Agent and confirms that such information is true and complete. The Principal understands it may be subject to penalties under federal law if they intentionally provide false information. The Principal shall indemnify, defend and hold harmless the Agent from any claim, liability, loss, cost, damage, judgment, settlement or expense (including attorney’s fees) resulting from or arising in any way out of injury (including death) to any person or damage to property arising in any way out of any act, error, omission or negligence in providing information to the Agent. This obligation survives the termination of these Terms.

Term. These Terms shall remain in effect until terminated by either Party by giving written notice to the other Party. Dispute Resolution. The Parties shall first attempt to settle any dispute through good-faith negotiation. If the dispute cannot be settled between the Parties via negotiation, either Party may initiate mediation or binding arbitration in the State of Arizona. If the Parties do not wish to mediate or arbitrate the dispute and litigation is necessary, these Terms will be interpreted based on the laws of the State of Arizona, without regard to the conflict of law provisions of such state. The Parties agree the dispute will be resolved in a court of competent jurisdiction in the State of Arizona.

The prevailing Party to the dispute will be able to recover its attorney’s fees and other reasonable costs for a dispute resolved by litigation or binding arbitration.

Governing Law. The laws of the State of Arizona shall govern as to the interpretation, validity, and effect of this Agreement.

Electronic Signature and Communications. The Principal consents to receive all notices electronically and to the use of an electronic signature to sign all forms presented to it by the Agent during the health insurance enrollment process, including, without limitation, privacy policies, consent forms, and to sign this form below, unless and until they withdraw their consent to the use of electronic signatures by providing notice to mailto:revokeconsent@getinsuredforlife.com , in which case the Agent will provide paper copies. These Terms and related documents entered into in connection with these Terms are signed when a Party’s signature is delivered electronically, and these signatures must be treated in all respects as having the same force and effect as original signatures. The Principal agrees to be legally bound as if having signed these Terms and other documents with a handwritten signature. The Principal agrees that this consent is effective on the date that they affix their signature below. By affixing its signature below, the Principal hereby agrees to these Terms as of the date specified below.