noexam

Terms of Service

Last updated: June 2026

1. Acceptance of Terms

By accessing or using the NoExam.com website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

NoExam.com is an independent insurance marketplace that connects consumers with life insurance carriers and licensed insurance agents. We do not sell insurance directly. All policies are subject to underwriting approval by the applicable carrier.

3. Eligibility

You must be at least 18 years of age and a resident of the United States to use our services. By submitting a quote request, you represent that you meet these requirements.

4. Information You Provide

When you request a quote or submit a form, you agree to provide accurate, current, and complete information. You authorize NoExam.com and its partner carriers to use this information to obtain insurance quotes on your behalf and to contact you regarding your inquiry.

5. Telephone and SMS Communications

By providing your phone number and submitting a form on this website, you expressly consent to receive calls and text messages (SMS/MMS) from NoExam.com and its licensed insurance agents at the phone number you provided, including calls and texts placed using an automatic telephone dialing system or prerecorded voice messages. This consent is not a condition of purchasing any product or service.

Message frequency: Message frequency varies based on your inquiry and interactions with our team.

Message and data rates may apply. Standard carrier message and data rates may apply to any SMS messages sent or received.

To opt out: You may opt out of SMS communications at any time by replying STOP to any text message you receive from us. You may also contact us directly at the information listed in Section 10 to request removal.

For help: Reply HELP to any text message for assistance, or contact us directly.

Opting out of SMS communications will not affect your ability to receive quotes or services through our website.

6. No Guarantee of Coverage or Rates

Quotes provided through our website are estimates only. Final rates and coverage availability are determined by the issuing carrier based on underwriting guidelines and are subject to change. Not all products are available in all states.

7. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of NoExam.com or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

8. Disclaimer of Warranties

Our services are provided “as is” and “as available” without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, NoExam.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or inability to use our services.

10. Changes to These Terms

We reserve the right to update these Terms of Service at any time. Continued use of our website following the posting of changes constitutes your acceptance of those changes.

11. Contact Us

If you have questions about these Terms of Service, please contact us: