Terms of Service

1. Agreement to terms

These Terms of Service ("Terms") govern your use of getclearpathlife.com and any services provided by Clearpath Life, LLC ("Clearpath Life," "we," "us," or "our"). By using our website, submitting a form, or contacting us by phone or text, you agree to these Terms. If you do not agree, please do not use our services.

2. About Clearpath Life

Clearpath Life is an independent insurance agency. We are not an insurance carrier, and we do not underwrite or issue insurance policies. We compare options from multiple licensed carriers and help our clients find coverage that fits their situation.

3. Not financial or legal advice

• Information on this website is provided for general educational purposes only.
• The needs calculator on our site is an educational tool, not personalized financial advice. It uses general inputs to produce an estimate and does not account for every factor that may be relevant to your situation.
• We recommend consulting with a qualified financial, tax, or legal advisor before making decisions based on what you read here.
• Insurance quotes are estimates based on general information and are not guaranteed.

4. Insurance products

• All insurance products are offered through licensed insurance carriers.
• Coverage is subject to each carrier's terms, conditions, exclusions, underwriting, and approval.
• Clearpath Life does not guarantee approval, specific rates, or coverage terms.
• Actual premiums and coverage are determined by the carrier's underwriting process based on the information you provide and the carrier's own evaluation.

5. Quotes and estimates

• Any quote or rate provided through this website or by a Clearpath Life representative is an estimate, not a binding offer of insurance.
• Estimates may change based on the carrier's underwriting and the information you provide on the formal application.
• Final terms and pricing are determined by the issuing carrier.

6. Licensing

Clearpath Life is a licensed insurance agency in the State of Tennessee. Non-resident license applications are pending in Alabama, Florida, Georgia, Kentucky, Mississippi, and South Carolina. We only transact insurance in states where we are properly licensed.

7. Communications consent

• By submitting your information through our website, providing your phone number, or otherwise initiating contact, you consent to receive calls and text messages from Clearpath Life.
• This includes messages sent via automated technology.
• Consent is not a condition of purchase.
• Message frequency varies.
• Message and data rates may apply.
• You may opt out at any time by replying STOP to a text message or by emailing hello@getclearpathlife.com.
• Reply HELP for help.

8. Call recording

• All inbound and outbound phone calls with Clearpath Life may be recorded for quality assurance, training, and compliance purposes.
• By calling us or accepting a call from us, you consent to having that call recorded.

9. AI voice assistant

• Clearpath Life uses an AI-powered voice assistant ("Bella") to help handle initial inquiries.
• The AI assistant may collect basic information such as your name, state of residence, and age.
• Conversations with the AI assistant are recorded and transcribed.
• The AI assistant is not a licensed insurance agent and cannot provide insurance advice, quote a policy, or bind coverage.
• You may request to speak with a licensed human advisor at any time.

10. Website use

• You must be 18 or older to use this website or request a quote.
• You agree to provide accurate, complete, and current information.
• You agree not to misuse the website, attempt to interfere with its operation, or use it for any unlawful purpose.

11. Intellectual property

All content on getclearpathlife.com — including text, graphics, logos, images, and software — is the property of Clearpath Life, LLC or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual-property laws. You may not reproduce, distribute, modify, or create derivative works from our content without prior written permission.

12. Limitation of liability

• Clearpath Life provides this website and its services on an "as is" and "as available" basis, without warranties of any kind, express or implied.
• We do not guarantee the accuracy, completeness, or timeliness of information presented on the website.
• To the fullest extent permitted by law, Clearpath Life is not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the website or our services.

13. Governing law

These Terms are governed by the laws of the State of Tennessee, without regard to its conflict-of-laws principles. Any dispute arising under these Terms will be brought in the state or federal courts located in Williamson County, Tennessee.

14. Changes to these terms

We may update these Terms from time to time. When we do, we'll revise the "Last updated" date at the top of the page. Your continued use of our website and services after we post changes constitutes your acceptance of the updated Terms.

15. Contact

Questions about these Terms?

Clearpath Life, LLC
101 Creekstone Blvd, Ste 100, PMB 739
Franklin, TN 37064
Phone: (866) 840-2756
Email: hello@getclearpathlife.com

16. Effective date

These Terms of Service are effective May 26, 2026.