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Terms of Use

By accessing The Life Insurance Center, LLC's (known herein as "Quick Life") web site, you agree to abide by these terms of use. If you do not agree with these terms, please do not access any other parts of the web site.

1. By submitting a request for a referral or application, you understand and agree that Quick Life's process of quote, following up on and fulfillment of referrals and/or applications you submit ("The Service"), assumes the accuracy and completeness of the information you supply. In addition, initial quoting is only an estimate of the premium your client might pay for term life insurance and that the actual price of any policy offered to your client at the conclusion of the application and underwriting process may be higher or lower than the price quoted by The Service.

You understand that Quick Life does not guarantee that your client will be offered a policy at the conclusion of the application process.

2. By submitting a referral or application, you agree to the commission or payment terms due to the Quick Life center per any agreements signed with the Quick Life Center. You also agree to indemnify Quick Life for any liability and/or damages that Quick Life suffers as a result of your unauthorized use of The Service or our web site.

3. The web site and content is protected by one or more copyrights, patents, database rights, trademarks, service marks and/or other intellectual property or proprietary rights that are owned by Quick Life and/or third parties. Quick Life, and other names and indicia of Quick Life and its products and/or services are exclusive trademarks and service marks or registered trademarks of Quick Life. Other service, product and company names appearing on the site may be trademarks or service marks of their respective owners. You may not remove any copyright, trademark or other proprietary notice or legend contained on (or printed from) the web site. We may revise the web site at any time, without notice.

4. You may not publish, broadcast, retransmit, reproduce, commercially exploit, create any derivative of or otherwise disseminate all or any portion of the web site without the express prior written permission of Quick Life and any applicable third party. You may not decompose, decompile, reverse engineer, disassemble or otherwise deconstruct all or any portion of the web site, nor will you frame our web site or use any robot, spider, or other device, software or process, whether manual or automatic, to monitor or copy our web pages or the content contained herein.

5. You agree that any controversy or legal claim arising out of or relating to these Terms of Use or our services, excluding action we may take to collect fees pursuant to Paragraph #2 and/or recover damages or obtain an injunction relating to our web site's operations, intellectual property and our services pursuant to Paragraphs #3 and #4, shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party, unless we, in our sole discretion, consent thereto. The arbitration shall be conducted in Denver, Colorado and judgment on the arbitration award may be entered in any court having jurisdiction thereof. Should either you or Quick Life file an action contrary to this provision, the other party may recover attorney's fees and costs up to $10,000.

About The Service

As part of The Service, Quick Life operates a term life price comparison service. Using the information you provide, The Service compares the rates from several U.S. life insurance companies who offer some of the most competitive rates. The Service produces an individualized pricing summary based on the criteria you enter.

The actual price of any policy your client may be offered at the conclusion of the application and underwriting process may be higher or lower than the price quoted by The Service. This variance may be due to additional information that the insurer discovers in the course of underwriting the application, a change in age, or a change in the insurer's rates. Although we believe that the quotes provided by The Service are accurate, we cannot guarantee the accuracy of every quote due to the possibility of human or computer error.

Quick Life does not guarantee that your will be offered a life insurance policy at the conclusion of your application process. Quick Life is not an insurance company but rather acts as a fulfillment service. David Wickersham, Quick Life's Chief Executive Officer, is the agent of record for all applications submitted through the Quick Life service.


Quick Life and/or its Chief Executive Officer David Wickersham act as and are licensed life insurance agents. Insurance services provided by David Wickersham, licensed life insurance agent in 45+ states listed below in association with selected agents licensed in your resident state. The following agent license numbers are provided for The Leaders Group (TLG) as required by state law:

Commercial use by others is prohibited by law.

State TLG License Number

AK 15739

AR 246953

AZ 38470

CA 0B71081

CO 46139

CT 1002929

DC 190191

DE 1036290

FL R021536

GA 102003

HI 334055

IA 1001000122

ID 91542

IL 100314273

IN 263014N

KS 841275292-000

KY 401138

LA 256067

MA 1849511

MD 101544

ME AGN49672

MI 841275292

MN 20046102

MO 11249

MS 9704150

MT 27812

NC 1000010770

ND 20290977

NE 208614

NH 2033050

NJ 9617389

NM 549505

NV 7655

NY LA-849441

OH 28698

OK 0100103607

OR 807316

PA 61262

PR 58099

RI 1091129

SC 7708

SD C4585

TN 5031

TX 1497051

UT 90112

VA 841275292

VT 591850

WA 110396

WI 1207

WVA 100110992

WY 8448


Copyright © 2012 The Life Insurance Center, LLC. All Rights Reserved. Quick Life and Quick Life Center are service marks of The Life Insurance Center. All other marks and names on this Web site are the property of their respective owners.

Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states and may include those issued by: Allianz Life Insurance Company of North America, Minneapolis, MN and Allianz Life Insurance Company of NY, New York, NY are both members of Allianz Insurance Group, Minneapolis, MN; American General Life Insurance Company, Houston, TX; The United States Life Insurance Company in the City of New York, New York, NY, member companies of American General Life Companies; Assurity Life Insurance Company, Lincoln, NE; Aviva Accordia Life is a subsidiary of Global Atlantic Financial Group, West Des Moines, IA; Aviva Life and Annuity Company of New York, Melville, NY; American National Insurance Company, Galveston, TX; AXA Equitable Life Insurance Company (New York,NY); Banner Life Insurance Company is a subsidiary of Legal & General Group, Plc, London, UK; Legal & General America, Frederick, MD; Banner Life Insurance Company, Urbana, MD; William Penn Life Insurance Company of New York, Garden City, NY; Equitable Life and Casualty Insurance Company, Salt Lake City, UT; Fidelity Life Association, A Legal Reserve Life Insurance Company, Oak Brook, IL; First Central National Life Insurance Company, New York, NY and Household Life Insurance Company, Detroit, MI, member companies of HSBC Insurance; Genworth Life and Annuity Insurance Company, Richmond, VA and Genworth Life Insurance Company of New York, New York, NY, only Genworth Life Insurance Company of New York is admitted in and conducts business in New York, member companies of Genworth Financial, Inc.; Gerber Life Insurance Company, White Plains, NY; Great West Life and Annuity Insurance Company, White Plains, NY; Integrity Life Insurance Company, Cincinnati, OH and National Integrity Life Insurance Company, Goshen, NY are both members of Western & Southern Financial Group, Cincinnati, OH; John Hancock, Boston, MA; Liberty Mutual Insurance, Boston, MA; Lincoln Life & Annuity Insurance Company of New York, Syracuse, NY and The Lincoln National Life Insurance Company, Fort Wayne, IN, both insurance company affiliates of Lincoln National Corporation, whose marketing name is Lincoln Financial Group; MassMutual Life Insurance Company, Springfield, MA; First MetLife Investors Insurance Company, New York, NY, MetLife Investors USA Insurance Company, Irvine, CA and Metropolitan Life Insurance Company, New York, NY, all three members of the MetLife family; North American Company Life & Health, Chicago, IL and North American Company Life & Health of NY, Garden City, NY are both members of Sammons Financial Group, Chicago, IL; Principal Life Insurance Company, Des Moines, IA; Protective Life and Annuity, Birmingham, AL; Minnesota Life, St. Paul, MN; Pruco Life Insurance Company, Newark, NJ and Pruco Life Insurance Company of New Jersey, Newark, NJ, member companies of Prudential Financial, Inc., Newark, NJ; Prudential Financial, Newark, NJ; ReliaStar Life Insurance Company, Minneapolis, MN, ReliaStar Life Insurance Company of New York, Woodbury, NY and Security Life of Denver Insurance Company, Denver, CO, member of the ING VOYA family of companies; Securian Life Insurance Company, St. Paul MN; Symetra Life Insurance Company, Belluvue, WA; Transamerica Life Insurance Company, Cedar Rapids, IA; First Symetra National Life Insurance Company of New York, New York, NY; Vantis Life Insurance Company, Windsor, CT.


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