Terms of Service
Effective Date: June 30, 2026
Welcome to PNC Life Insurance (“Company,” “we,” “our,” or “us”). By accessing this website or using our services, you agree to be bound by these Terms of Service. If you do not agree with these Terms, please do not use our website or services.
1. Our Services
PNC Life Insurance provides insurance education, insurance quote assistance, policy comparisons, financial protection information, and related insurance services. Information provided on this website is for informational purposes only and should not be considered legal, tax, or financial advice.
Insurance products are subject to underwriting approval, carrier guidelines, availability, and applicable state regulations.
2. Use of This Website
By using this website, you agree that you will:
- Use the website only for lawful purposes.
- Provide accurate and truthful information.
- Not attempt to interfere with website security or operation.
- Not use automated software, bots, or scraping tools without permission.
- Not submit false or misleading information.
We reserve the right to refuse service or terminate access for violations of these Terms.
3. Quotes and Insurance Information
Insurance quotes provided through this website are estimates based upon information submitted by you.
Final premiums, eligibility, and coverage are determined solely by the insurance carrier during underwriting.
Submission of information does not guarantee coverage or policy approval.
4. SMS Communications
By submitting your phone number through our website, forms, advertisements, scheduling pages, or other communication channels, you expressly consent to receive text messages from PNC Life Insurance regarding:
- Insurance quotes
- Policy information
- Appointment reminders
- Customer support
- Follow-up communications
- Requested services
- Account updates
- Marketing communications (where permitted)
Message frequency varies based on your interaction with our services.
Message and data rates may apply depending on your mobile carrier.
Consent to receive SMS messages is not a condition of purchasing any insurance product or service.
You may opt out at any time by replying:
STOP
You may receive one confirmation message confirming your opt-out.
For assistance, reply:
HELP
or contact us using the information listed below.
5. Email Communications
By providing your email address, you consent to receive:
- Insurance quotes
- Policy updates
- Appointment confirmations
- Educational content
- Company announcements
- Marketing communications
You may unsubscribe at any time using the unsubscribe link included in our emails.
6. Telephone Communications
By submitting your information, you consent to be contacted by telephone regarding your insurance inquiry.
Calls may be recorded for quality assurance, training, compliance, and customer service purposes.
7. User Responsibilities
You agree that all information you provide is:
- Accurate
- Current
- Complete
You agree to promptly notify us if your contact information changes.
8. Intellectual Property
All content on this website, including text, graphics, logos, images, videos, software, and design elements, is the property of PNC Life Insurance or its licensors and is protected under applicable copyright, trademark, and intellectual property laws.
You may not reproduce, distribute, modify, or reuse any content without prior written permission.
9. Third-Party Websites
Our website may contain links to third-party websites.
We are not responsible for:
- Third-party content
- Privacy practices
- Security
- Products or services offered by third parties
Accessing third-party websites is at your own risk.
10. Disclaimer
Information on this website is provided “as is” without warranties of any kind, either express or implied.
We make reasonable efforts to keep information accurate but do not guarantee that all information is current, complete, or error-free.
Nothing on this website creates an insurance contract.
Coverage is governed solely by the terms of the issued insurance policy.
11. Limitation of Liability
To the fullest extent permitted by law, PNC Life Insurance shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from:
- Use of this website
- Inability to access the website
- Reliance on information provided
- Communication failures
- Technical issues
Our maximum liability shall not exceed the amount paid by you, if any, for the services giving rise to the claim.
12. Indemnification
You agree to indemnify and hold harmless PNC Life Insurance, its employees, agents, affiliates, and representatives from any claims, damages, liabilities, or expenses arising from your violation of these Terms or misuse of the website.
13. Privacy
Your use of this website is also governed by our Privacy Policy.
Please review our Privacy Policy to understand how we collect, use, and protect your information.
14. Changes to These Terms
We may modify these Terms of Service at any time without prior notice.
Updated versions will be posted on this page with a revised Effective Date.
Continued use of our website constitutes acceptance of any revised Terms.
15. Governing Law
These Terms shall be governed by the laws of the State of Texas, without regard to conflict of law principles.
Any disputes arising from these Terms shall be resolved in the appropriate state or federal courts located in Texas.
16. Contact Information
If you have any questions regarding these Terms of Service or our communications, please contact us.
PNC Life Insurance
Website: https://pnclifeinsurance.com
Email: info@pnclifeinsurance.co
Phone: (516) 717-9179
SMS Terms Summary
By providing your mobile phone number, you agree to receive recurring text messages from PNC Life Insurance regarding insurance quotes, customer support, appointment reminders, account notifications, and marketing communications.
- Message frequency varies.
- Message and data rates may apply.
- Reply STOP to unsubscribe.
- Reply HELP for assistance.
- Consent is not a condition of purchase.
- Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, excluding aggregators and providers of the text messaging services necessary to deliver the messages.
This version contains the disclosures commonly required for GoHighLevel A2P 10DLC messaging registration and is ready to copy and paste into your website.