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Terms of Use
PolicyHelpCenter.org is owned and operated by RobinHood Insurance Group LLC, a licensed independent life insurance agency. These terms govern your use of this website. Last updated August 26, 2026.
Educational and informational purpose
Content on this website is general, educational information about life insurance products. It is not insurance, legal, tax, or financial advice, and it is not an offer of coverage. Nothing here creates an insurance contract. Only an issued policy, and the carrier that issues it, determines your coverage.
No guaranteed coverage, pricing, or acceptance
We do not guarantee approval, eligibility, coverage amounts, issue times, or any specific rate or savings. Insurance products are subject to underwriting. Coverage, pricing, availability, and underwriting standards vary by state, carrier, product, age, health history, and other factors, and product availability may change without notice.
Submitting a form does not create coverage
Completing the coverage-match form or speaking with an agent does not create an insurance contract, bind coverage, or obligate any carrier to issue a policy. Coverage is issued only by an insurance carrier after it completes its own underwriting and accepts an application.
Independent agency status
RobinHood Insurance Group LLC is a licensed independent insurance agency. We are not an insurance carrier and we are not affiliated with, endorsed by, or acting on behalf of any government agency or federal or state program. Any carrier names shown on this site, if present, are the property of their respective owners.
Your responsibilities
You agree to provide accurate information, to use this site only for lawful purposes, and not to attempt to disrupt, scrape, or gain unauthorized access to the site or its systems. Information you submit on an insurance application must be truthful and complete; misstatements can affect a policy or a claim. You are responsible for reviewing the terms, exclusions, limitations, and costs of any policy before you purchase it.
Limitations of the information presented
Product descriptions on this site are simplified summaries and do not describe every term, rider, exclusion, waiting period, or limitation. Where a summary conflicts with an issued policy, the policy controls.
Third-party links
This site may link to third-party websites. We do not control and are not responsible for the content, accuracy, or privacy practices of those sites.
Intellectual property
The site's text, layout, graphics, and design are owned by RobinHood Insurance Group LLC or its licensors and may not be copied, reproduced, or redistributed without permission.
Limitation of liability
The site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, RobinHood Insurance Group LLC is not liable for any indirect, incidental, or consequential damages arising out of your use of this website or reliance on its content.
Changes and contact
We may update these terms at any time; continued use of the site means you accept the current version. Questions: RobinHood Insurance Group LLC, 715 Tallahassee Dr NE, Saint Petersburg, FL 33702, (866) 620-9906.