Last Updated: December 2025
These Terms of Use ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Pod Insurance ("Pod Insurance," "we," "us," or "our") governing your access to and use of our website at pod.insure (the "Site"), any mobile application we provide (the "App"), and any related services, content, tools, or features offered through these platforms (collectively, the "Offerings").
By accessing or using the Offerings, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms or the Privacy Policy, you must not use the Offerings.
Pod Insurance is a licensed insurance broker, not an insurer. We help connect you with insurance carriers that offer final expense and life insurance products. We do not underwrite or issue insurance policies ourselves.
Please understand that: submitting a quote request or application through our Offerings does not guarantee approval for coverage; all insurance policies are subject to the terms, conditions, exclusions, and underwriting requirements of the issuing insurance carrier; coverage decisions, policy terms, and claims are determined solely by the insurance carrier, not by Pod Insurance; quotes provided through our Offerings are estimates and final premium rates may differ based on underwriting; and we may receive commissions from insurance carriers when policies are issued.
Any questions about a specific policy's terms, coverage, or claims should be directed to the issuing insurance carrier.
We may update or revise these Terms at any time in our discretion. The date at the top of these Terms indicates when they were last updated. New users are bound by the Terms in effect at their first use. For existing users, changes become effective 15 days after we post them. We will notify you of material changes via email or prominent notice on the Site. Continued use of the Offerings after changes means you accept the revised Terms.
You represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. You will use the Offerings only for lawful purposes and in compliance with all applicable laws.
You agree to provide accurate, current, and complete information when using our Offerings, including but not limited to information provided in insurance applications, health questionnaires, and payment forms. You understand that the information you provide will be used by insurance carriers to make underwriting decisions and determine your eligibility for coverage.
You acknowledge that: providing false, misleading, or incomplete information may result in denial of coverage, cancellation of a policy, or denial of claims by the insurance carrier; insurance carriers have the right to verify the information you provide and may request additional documentation; misrepresentation on an insurance application may constitute fraud and could have legal consequences; and it is your responsibility to review all information for accuracy before submitting any application.
Pod Insurance is not responsible for coverage denials, policy cancellations, or claim denials resulting from inaccurate or incomplete information you provide.
Subject to your compliance with these Terms, Pod Insurance grants you a limited, revocable, non-transferable, non-exclusive license to access and use the Offerings for your personal, non-commercial use (or legitimate business purposes, if applicable).
You agree not to: copy, reproduce, distribute, modify, adapt, translate, reverse engineer, decompile, or disassemble the App or any part thereof; access or use the Offerings in a way that overloads, damages, or interferes with the infrastructure or performance of the Site or App; use bots, scripts, crawlers, or other automated methods to access, scrape, or otherwise gather content from the Offerings in bulk; remove or alter any copyright, trademark, or other proprietary notices contained in or on the Offerings; use the Offerings for any unlawful or unauthorized purpose; or impersonate any person or entity or misrepresent your affiliation with any person or entity.
All content, trademarks, service marks, logos, designs, graphics, text, materials, software, and other materials available through the Offerings (collectively, "Content") are owned by or licensed to Pod Insurance. Except for the rights expressly granted to you herein, Pod Insurance retains all right, title, and interest, including intellectual property rights.
By using the Offerings, you consent to receive communications from us electronically (e.g., via email, in-App messages, notices on the Site) and agree that such communications satisfy legal requirements that they be in writing.
If you provide your phone number and opt in, you consent to receive SMS from Pod Insurance. Msg & data rates may apply. Reply STOP to opt out. For more information, see our Privacy Policy.
Your use of the Offerings is subject to our Privacy Policy, which is incorporated into these Terms by reference. By agreeing to these Terms, you also agree to the terms of our Privacy Policy.
We may from time to time introduce updates, upgrades, bug fixes, patches, new features, or delete or modify existing features ("Updates"). You agree we are not required to provide any specific Updates, and that Updates are subject to these Terms. If your device or device settings permit, the App may update automatically.
We reserve the right to modify, suspend, or discontinue any aspect of the Offerings at any time, without notice or liability. We may suspend or terminate your access if you violate these Terms, provide inaccurate information, engage in fraudulent activity, or for any other reason at our discretion. Termination of your access to the Offerings does not affect any policies you have obtained through insurance carriers or your obligations under such policies.
The Offerings and Content are provided "as is" and "as available," without warranties of any kind, whether express, implied, statutory, or otherwise, including fitness for a particular purpose, accuracy, non-infringement, merchantability, or availability.
The information provided through our Offerings is for general informational purposes only and does not constitute professional insurance, financial, tax, or legal advice. You should consult with qualified professionals regarding your specific situation before making insurance decisions.
To the maximum extent permitted by law, Pod Insurance, its officers, directors, employees, agents, licensors, and service providers will not be liable for any direct, indirect, incidental, consequential, punitive, or special damages arising from or relating to: your use of, or inability to use, the Offerings or Content; any decisions made by insurance carriers regarding your application, coverage, or claims; any inaccurate information you provide; or any other matter relating to the Offerings—even if foreseeable.
In jurisdictions that limit the exclusion of liability, our total liability will be limited to the greater of: (a) the amount you have paid, if any, for our services in the 12 months before the event giving rise to liability, or (b) one hundred dollars ($100).
You agree to indemnify, defend, and hold harmless Pod Insurance and its officers, directors, employees, agents, licensors, and service providers from and against any loss, liability, claim, demand, damage, cost, or expense (including reasonable attorneys' fees) arising out of or related to: your use of the Offerings; your breach of these Terms; any inaccurate, misleading, or incomplete information you provide; your violation of any applicable law; or your violation of the rights of any third party.
The Offerings may contain links to, or include content provided by, third parties ("Third-Party Materials"), including insurance carrier websites and materials. We do not control such content and are not responsible for its accuracy, completeness, legality, or any other aspect. Accessing or using Third-Party Materials is at your own risk and subject to those third parties' terms.
You may link to our homepage in a fair and lawful manner so long as you do not suggest any endorsement or affiliation that does not exist. You must not frame our Site or use it in any way that misrepresents our relationship. We may revoke linking permissions at any time.
These Terms are governed by the laws of the State of Texas, USA, without regard to conflict of laws principles.
Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Offerings shall be resolved exclusively in the state or federal courts located in Texas, and you consent to the personal jurisdiction of such courts. You and Pod Insurance each waive any right to a jury trial in any proceeding arising out of or relating to these Terms.
You agree to bring any claim or dispute within one (1) year after the claim or cause of action arises, or such claim is permanently barred. You agree not to bring or participate in any class action, collective action, or representative proceeding against Pod Insurance.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permissible, or if not possible, severed, and the rest of these Terms will remain in full force and effect.
Pod Insurance will not be liable for any failure or delay in performing our obligations under these Terms if such failure or delay results from circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, epidemics, pandemics, strikes, or failures of third-party telecommunications or power systems.
You may not assign, transfer, or sublicense any of your rights or obligations under these Terms without our prior written consent. Pod Insurance may assign or transfer these Terms, in whole or in part, without restriction and without notice to you, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets.
Geographic Restrictions: The Offerings are designed for and directed to persons in the United States. If you access the Offerings from outside the United States, you do so at your own risk and are responsible for compliance with local laws.
Entire Agreement: These Terms, together with the Privacy Policy and any other agreements expressly incorporated herein, constitute the entire agreement between you and Pod Insurance regarding the Offerings and supersede any prior or contemporaneous agreements.
Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it later.
Headings: Section headings are for convenience only and do not affect the interpretation of these Terms.
If you have any questions about these Terms or the Offerings, please contact us:
Email: legal@pod.insure