Terms of Service

By using this website, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use the website.

BuyBeforeYouDie.com is a marketing website operated by SMC Insure, an independent insurance agency. The website provides general educational and marketing information about life insurance. It is not a substitute for advice from a qualified professional.

Submitting a form, scheduling a call, or speaking with an agent through this website does not create, bind, or guarantee insurance coverage. Coverage is not effective until the applicable carrier approves the application, issues the policy, all delivery requirements are met, and the required premium is received.

Any rates, prices, or examples shown on this website are illustrative unless expressly identified as an individualized quote. Final eligibility, rates, and coverage are determined by the applicable insurance carrier through underwriting.

Final eligibility, rates, coverage amounts, and policy terms are determined by the insurance carrier, not by SMC Insure or this website. Carrier underwriting decisions are final.

Information on this website is for general educational and marketing purposes only and does not constitute legal, tax, medical, or financial investment advice. Consult qualified professionals for advice specific to your situation.

You agree to use this website lawfully and not to misuse, disrupt, or attempt to gain unauthorized access to its systems or data.

Website content, branding, and design are owned by SMC Insure. Carrier names, logos, and trademarks belong to their respective owners and are used for identification purposes only; their use does not imply endorsement of this website.

SMC Insure is an independent insurance agency compensated through commissions paid by insurance carriers, including through third-party application platforms such as Ethos. Compensation does not change the premium you pay. We may receive compensation when you apply through links on this website.

This website may link to third-party carrier and partner websites. We are not responsible for their content, products, or practices.

The website is provided "as is" without warranties of any kind. To the fullest extent permitted by law, SMC Insure is not liable for any indirect, incidental, or consequential damages arising from your use of the website.

We may update these Terms from time to time. Changes will be posted on this page with an updated date. Continued use after changes constitutes acceptance.

These Terms are governed by the laws of the State of Wisconsin, without regard to conflict-of-law principles.

Phone: 608-909-9555 · Email: info@buybeforeyoudie.com