Terms of Use

Last updated: October 6, 2026

These Terms govern your use of policyupside.com, operated by [LEGAL COMPANY NAME LLC] ("Policy Upside", "we", "us"). By using the site, you agree to these Terms.

What we do and don't do

Policy Upside is a marketing and referral service. We are not a life settlement provider, life settlement broker, insurance company, insurance agent, or financial, legal or tax advisor. We do not buy life insurance policies, make offers, negotiate on your behalf, or give advice about whether you should sell a policy. If you submit a request, we may refer it to licensed life settlement providers and brokers listed on our Partners page, who are solely responsible for any evaluation, offer or transaction. We may receive compensation for these referrals.

No offer or guarantee

Information on this site, including industry averages, is for general information only. It is not a quote, an offer or a promise that any policy will receive an offer. Whether a policy qualifies and what it may be worth depend on the insured's age and health, the policy and other factors, and are determined only by licensed buyers. Life settlements are not available in all states.

Things to consider

Selling a life insurance policy may have tax consequences, may affect eligibility for Medicaid or other public benefits, may expose the proceeds to creditors, and means your beneficiaries will no longer receive the death benefit. Alternatives such as accelerated death benefits, policy loans or reduced coverage may be available from your insurer. Licensed providers and brokers must give you the disclosures required by your state, including any right to rescind the sale. Consult a tax or legal advisor before deciding.

Your information and consent to be contacted

You agree to provide accurate information and to submit only information you are authorized to share. If you complete a form for someone else, you confirm that you have their permission. Calls and text messages are made according to the consent you give on the form, which you can revoke at any time by replying STOP, telling the caller, or emailing [PRIVACY EMAIL]. How we handle your information is described in our Privacy Policy.

Text messages

When you enter your mobile number, we send a one-time verification code. If you agree to receive text messages, message frequency varies, and message and data rates may apply. Reply HELP for help or STOP to cancel. Carriers are not liable for delayed or undelivered messages.

Electronic signature

By clicking the button on our forms, you agree that your click is your electronic signature and that consents and notices may be provided to you electronically.

Acceptable use

Do not submit false information, use the site for unlawful purposes, or interfere with its operation.

Disclaimer and limitation of liability

The site is provided "as is". To the extent permitted by law, Policy Upside is not liable for any indirect or consequential damages arising from your use of the site or from any dealings with Partners.

Changes and contact

We may update these Terms. The date at the top shows the latest version. Questions: [LEGAL COMPANY NAME LLC] · [ADDRESS] · [PRIVACY EMAIL]