Terms and Conditions

The terms and conditions described herein detail how Instant Life Insurance may be used. If the Instant Life Insurance (herein referred to as “the website”) is used, you are agreeing to be bound by the terms and conditions of this website. If you do not accept nor agree with the described terms, you should not use this website. By using this website, you undertake that you are 18 years of age or older or as applicable in your province.

This website collected data from users and passes this information, unaltered where applicable, to our chosen third-party entities with user approval.

Your personal information may be disclosed to service providers existing and operating outside of Canada.

Alterations to these terms and conditions can be made and, once published, these alterations will become immediately effective.

This website cannot guarantee nor be held responsible for:

  1. The accuracy or reliability of the content describing any third party material that appears on this website, regardless of whether or not said content is explicitly identified as third-party material.

  2. The quality or reliability of third-party services described on this website

  3. The content of third-party websites linked to from this website.

Any financial information featured on this website or accessed from a link on this website it intended to be a representation example and is not to be considered financial advice on the part of Instant Life Insurance.

Any issues that may arise from contact or communication with third-party entities is not the responsibility of Instant Life Insurance.

Should an entry to an agreement or contract be made with a third-party entity, the terms and conditions of that agreement or contract are not the responsibility of Instant Life Insurance, and are wholly separate from these terms and conditions. If an agreement or contract is your intention, we recommend that independent advice be sought.

Intellectual Property

Express permission must be secured prior to the reproduction or the redistribution of material contained on this website.

Instant Life Insurance retains exclusive rights to this website. All company names and products described on this website are the property of their respective owners.

Information gathered from this website must not be used for illegal, immoral, or fraudulent purposes.

Liability Obligations

We take significant strides to ensure all data on this website is accurate and up to date, and we endeavor to immediately correct inaccuracies as we are made aware of them. To the extent of the law, however, we are not held responsible for inaccuracies published on this website.

This website does not validate, monitor, or endorse any third party submitted to this website, and such information may be inaccurate. Instant Life Insurance does not validate, monitor or endorse the data or quotations collected from third parties as presented to you on the search results page.

Instant Life Insurance is not held responsible for the harmful effects of technology that could result from using this website, and give no warranty that this website is free from viruses. Instant Life Insurance is excluded from liability where applicable by law, should any losses or claims occur as a result of an inability to access this website or the use of the information contained therein.

Termination of Agreement

In the event any of the above terms and conditions be breached, we reserve the right to terminate the agreement and immediately remove, cancel, and/or suspend access to this website and its functions without notice.

All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason.

Instant Life Insurance is not liable for failure to undertake any obligation under this agreement if failure results from events out of its control, including without limitation Internet/telecoms outages, fire, flood, war and acts of God.

General Information

The website is solely directed at those who access the website from Canada.

Should any provision of the agreement be held unlawful or invalid, that provision shall be deemed severed. Where relevant, the validity of the remaining provision of the agreement will not be affected.

Should Instant Life Insurance not enforce any provision of this agreement, such will not be considered a waiver of any provision or right.

Use of the website and these terms are subject to the laws of Canada which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licenses and conditions of use and shall be construed in accordance with the laws of Canada and the parties submit to the exclusive jurisdiction of the Canadian courts.