Effective Date: 02/16/2026
Last Updated: 02/16/2026
Agreement to Terms
By accessing or using TermQuotesCalifornia.com (the “Website”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use this Website.
This Website is operated by Ryan Hearn, a licensed California insurance broker (License #0L14758
1. Description of Services
What We P
TermQuotesCalifornia.com provides:
- Quote Estimates: Access to term life insurance quote estimates from multiple carriers
- Instant Quote Platform: Referral to our partner platform (Ethos Life) for immediate online quotes
- Quote Request Service: Ability to submit your information to receive personalized quotes
- Educational Information: General information about term life insurance in California
- Broker Services: Connection to a licensed California insurance broker for personalized assistance
What We Do NOT Provide
- Guarantees of Coverage: Quote estimates are not guarantees of final rates or coverage approval
- Legal or Financial Advice: Our services do not constitute legal, financial, tax, or estate planning advice
- Medical Advice: We do not provide medical guidance or diagnoses
- Investment Advice: Life insurance information is not investment advice
For comprehensive financial planning, consult with a qualified financial advisor, attorney, or CPA.
2. Quote Estimates and Accuracy
Estimates Only
All quotes provided through this Website are estimates based on the information you provide. They are not:
- Guarantees of final premium rates
- Offers of insurance coverage
- Binding quotes or policies
Final Rates May Vary
Your actual premium may be higher or lower than the estimate based on:
- Complete Medical Underwriting: Full health history review, medical exams, prescription checks
- Detailed Financial Information: Income verification, existing coverage, net worth
- Motor Vehicle Records: Driving history and violations
- Background Checks: Criminal history, credit reports (in some cases)
- Carrier-Specific Underwriting: Each insurance company has unique underwriting criteria
- Changes Since Quote: Any changes in health, tobacco use, or other factors
No Guarantee of Approval
Submission of a quote request or application does not guarantee:
- Approval for coverage
- Acceptance at the quoted rate
- Issuance of a policy
All coverage is subject to carrier approval and underwriting.
3. Insurance Relationship and Commissions
Independent Broker
Ryan Hearn operates as an independent insurance broker, not a captive agent. This means:
- We represent YOU, not a specific insurance company
- We have access to multiple insurance carriers
- We compare options to find appropriate coverage for your situation
- We are not obligated to recommend any particular carrier
Commission Disclosure
We earn commissions from insurance companies when you purchase a policy through our services. This is standard in the insurance industry and does not cost you anything extra—commissions are built into the policy premium.
- Commission rates vary by carrier and product type
- Our recommendations are based on your needs, not commission amounts
- You pay the same premium whether you buy through us or directly from the carrier
Ethos Partnership
When you use our instant quote link to Ethos Life Insurance Services, LLC:
- You will be directed to their platform
- We receive a referral commission if you complete an application
- Your relationship with Ethos is governed by their terms and privacy policy
- We do not control Ethos’s underwriting, pricing, or approval decisions
4. Your Information and Responsibilities
Accurate Information
You agree to provide:
- Truthful information: All information you provide must be accurate and complete
- Current information: Keep your contact and health information up to date
- No misrepresentation: Do not omit or falsify information on quote requests or applications
Providing false information can result in denial of coverage, policy rescission, or denial of claims.
Application Process
When you submit an insurance application:
- You authorize us to share your information with insurance carriers for underwriting
- You understand you may need to complete additional forms, medical exams, or provide documentation
- You agree to cooperate with underwriting requirements (medical exams, phone interviews, etc.)
- You acknowledge that final approval and pricing depend on carrier underwriting
Your Responsibilities
You are responsible for:
- Reviewing all policy documents carefully before accepting coverage
- Understanding the terms, conditions, and exclusions of any policy you purchase
- Paying premiums on time to keep coverage in force
- Updating your beneficiary designations as needed
- Notifying the insurance company of address or contact changes
5. Website Use and Restrictions
Permitted Use
You may use this Website to:
- Request term life insurance quote estimates
- Learn about life insurance products
- Contact us with questions
- Access our instant quote partner platform
Prohibited Use
You may NOT:
- Use the Website for any illegal purpose
- Attempt to gain unauthorized access to our systems
- Transmit viruses, malware, or harmful code
- Scrape, copy, or reproduce Website content without permission
- Impersonate another person or entity
- Submit false or misleading information
- Use the Website to spam, harass, or defraud others
- Reverse engineer or attempt to extract source code
- Use automated tools (bots, scrapers) to access the Website
Consequences of Prohibited Use
Violation of these restrictions may result in:
- Immediate termination of access to the Website
- Legal action
- Reporting to law enforcement authorities
6. Intellectual Property
Our Content
All content on this Website is owned by or licensed to TermQuotesCalifornia.com and Ryan Hearn, including:
- Text, images, graphics, logos
- Website design and layout
- Software and code
- Educational materials
This content is protected by copyright, trademark, and other intellectual property laws.
Your Limited License
You are granted a limited, non-exclusive, non-transferable license to:
- Access and view Website content for personal, non-commercial use
- Print or download reasonable portions for your own quote requests
You may NOT:
- Reproduce, distribute, or republish Website content without permission
- Use our content for commercial purposes
- Modify or create derivative works
- Remove copyright or trademark notices
Trademarks
“TermQuotesCalifornia.com” and associated branding are trademarks or service marks. Insurance carrier names and logos are property of their respective owners.
7. Third-Party Links and Services
External Links
Our Website may contain links to third-party websites, including:
- Insurance carrier websites
- Ethos Life platform
- Educational resources
- Regulatory and licensing authorities
We do not control and are not responsible for:
- Content on third-party websites
- Privacy practices of external sites
- Products or services offered by third parties
- Accuracy of information on linked sites
Ethos Life Platform
When you click through to Ethos Life Insurance Services, LLC:
- You leave our Website and enter their platform
- Their terms of use and privacy policy apply
- We are not responsible for their services, underwriting decisions, or customer service
- We receive a referral commission but do not control their operations
8. Disclaimers and Limitation of Liability
No Warranties
THIS WEBSITE AND ALL INFORMATION, QUOTES, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
- Accuracy, completeness, or reliability of information
- Fitness for a particular purpose
- Non-infringement
- Uninterrupted or error-free operation
- Security or freedom from viruses
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, RYAN HEARN AND TERMQUOTESCALIFORNIA.COM SHALL NOT BE LIABLE FOR:
- Direct damages: Lost profits, lost data, or lost business opportunities
- Indirect damages: Consequential, incidental, punitive, or special damages
- Third-party actions: Actions by insurance carriers, Ethos, or other parties
- Technical issues: Website downtime, data loss, or technical failures
Maximum Liability: In no event shall our total liability exceed the amount of commissions earned from your insurance purchase, if any.
California Law
Some jurisdictions do not allow limitation of implied warranties or limitation of liability for incidental or consequential damages. These limitations may not apply to you. You may have additional rights under California law.
9. Indemnification
You agree to indemnify, defend, and hold harmless Ryan Hearn, TermQuotesCalifornia.com, and our affiliates, officers, agents, and employees from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising from:
- Your use or misuse of the Website
- Your violation of these Terms
- Your violation of any law or regulation
- Information you provide on quote requests or applications
- Your interactions with insurance carriers or third parties
10. Privacy and Data Collection
Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
Key Privacy Points:
- We collect information you provide on quote requests
- We use your information solely to provide insurance quotes and services
- We do NOT sell, rent, or transfer your information to third-party lead buyers
- We may share information with insurance carriers for underwriting purposes
- You have rights under California privacy law (CCPA)
Please review our full Privacy Policy for complete details.
11. Insurance Regulatory Disclosures
Licensing
Ryan Hearn is licensed to sell insurance in California:
- License Number: [LICENSE NUMBER]
- License Type: Life Insurance Broker
- Issuing Authority: California Department of Insurance
You can verify this license at: https://interactive.web.insurance.ca.gov/webuser/
Regulatory Oversight
Insurance services are regulated by:
- California Department of Insurance
- Address: 300 Capitol Mall, Sacramento, CA 95814
- Phone: 1-800-927-4357
- Website: www.insurance.ca.gov
Complaints
If you have a complaint about our insurance services, you may contact:
- Ryan Hearn directly: (XXX) XXX-XXXX or [email address]
- California Department of Insurance: File a complaint at www.insurance.ca.gov
12. Communications and Electronic Signatures
Electronic Communications
By using this Website, you consent to:
- Receive communications from us electronically (email, text, phone)
- Electronic delivery of quotes, disclosures, and policy documents
- Electronic signatures on applications and forms (where permitted)
Opting Out of Marketing
You may opt out of marketing communications at any time by:
- Clicking “unsubscribe” in any marketing email
- Texting STOP to any marketing text message
- Contacting us at [email address] or (XXX) XXX-XXXX
Note: You cannot opt out of transactional communications related to your quote requests or insurance applications.
13. Modifications to Terms
Right to Modify
We reserve the right to modify these Terms at any time. Changes will be effective when posted on this page with a new “Last Updated” date.
Notice of Changes
For material changes, we will:
- Post a notice on the Website homepage
- Send an email to users who have provided email addresses (if applicable)
Acceptance of Changes
Your continued use of the Website after changes are posted constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Website.
14. Termination
Our Right to Terminate
We may terminate or suspend your access to the Website at any time, without notice, for:
- Violation of these Terms
- Providing false or misleading information
- Suspicious or fraudulent activity
- Any reason at our sole discretion
Effect of Termination
Upon termination:
- Your right to use the Website immediately ceases
- We may delete your account and information (subject to legal retention requirements)
- Provisions that should survive termination (e.g., disclaimers, limitation of liability) remain in effect
Your Right to Terminate
You may stop using the Website at any time. If you want your information deleted, submit a request pursuant to our Privacy Policy.
15. Governing Law and Dispute Resolution
Governing Law
These Terms are governed by the laws of the State of California, without regard to conflict of law principles.
Jurisdiction
Any legal action or proceeding arising from these Terms or your use of the Website shall be brought exclusively in the state or federal courts located in [County], California. You consent to the jurisdiction of such courts.
Informal Resolution
Before filing a legal claim, you agree to attempt to resolve disputes informally by contacting us at:
- Email: [email address]
- Phone: (XXX) XXX-XXXX
We will attempt to resolve the issue within 30 days.
Arbitration (Optional – Consult Attorney)
[If you want to include binding arbitration, consult with an attorney for appropriate language]
16. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
17. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and TermQuotesCalifornia.com regarding use of this Website and supersede all prior agreements and understandings.
18. Contact Information
If you have questions about these Terms of Use, please contact us at the website:
Ryan Hearn
California Insurance License #0L14758
19. California-Specific Notices
California Residents
California law requires us to inform you:
- You have the right to request information about how we share your personal information
- See our Privacy Policy for details on your California privacy rights (CCPA)
- You can file insurance complaints with the California Department of Insurance
Notice Regarding Insurance Fraud
It is a crime to knowingly provide false or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, and denial of insurance benefits.
Summary of Key Terms
✅ Quotes are estimates – Final rates depend on full underwriting
✅ All coverage subject to approval – Applications may be declined or modified
✅ We earn commissions – Standard industry practice at no cost to you
✅ We don’t sell leads – Your info is used only for insurance services
✅ You must provide accurate information – False info can result in denial or rescission
✅ Ryan Hearn is licensed in California – License #0L14758
✅ We can modify these Terms – Check periodically for updates
✅ Contact us with questions –
By using TermQuotesCalifornia.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.
Last Updated: 02/16/2026