Protect what matters most with simple, reliable, and comprehensive insurance solutions you can trust.
Please read these terms and conditions carefully before using our services. By accessing or using Hillinsure's services, you agree to be bound by these terms.
Welcome to Hillinsure. These Terms and Conditions govern your use of our website, mobile applications, and all related services. By accessing or using our services, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with any part of these Terms, you must not use our services.
These Terms constitute a legally binding agreement between you and Hillinsure. Please read them carefully before proceeding. Hillinsure reserves the right to modify or update these terms at any time, and such changes will be effective upon posting on our website. Your continued use of our services after any modifications indicates your acceptance of the updated terms.
Hillinsure provides comprehensive insurance services designed to protect what matters most to you. Our services include life insurance with term life, whole life, and universal life policies tailored to meet your family's long-term financial protection needs.
We offer health insurance plans for individuals and families, including supplemental coverage to ensure you have comprehensive health protection. Our home insurance services cover homeowners, renters, and condo insurance to protect your property and belongings.
Vehicle insurance is available for automobiles, motorcycles, boats, and recreational vehicles, providing comprehensive coverage for all your transportation needs. For business owners, we offer commercial property insurance, liability coverage, and workers' compensation to safeguard your business operations.
Our property insurance services include investment property and landlord insurance to protect your real estate investments. All insurance coverage is subject to the specific terms, conditions, exclusions, and limitations outlined in your individual policy documents. The availability of certain products may vary by jurisdiction, and policy issuance is contingent upon underwriting approval and payment of applicable premiums.
As a user of our services, you have certain responsibilities to ensure the proper functioning of your insurance coverage. You agree to provide accurate, current, and complete information during registration and policy application processes. All information provided must be truthful and not misleading in any way.
You are responsible for maintaining the confidentiality of your account credentials and must notify us immediately of any unauthorized access to your account. It is your responsibility to update your personal information promptly when changes occur, including address changes, contact information updates, or changes in your coverage needs.
You agree to comply with all applicable local, state, and federal laws and regulations in your use of our services. You must not use our services for any unlawful or fraudulent purposes, and you must not submit false claims or misrepresent information for financial gain.
You must not interfere with or disrupt the integrity or performance of our services, and you must not attempt to gain unauthorized access to our systems or networks. You are solely responsible for all activities that occur under your account. Failure to comply with these responsibilities may result in suspension or termination of your access to our services and potential legal action.
Coverage availability, limits, premiums, and exclusions vary by policy type and individual circumstances. All policies are subject to underwriting approval and terms dictated by the insurance provider. Final policy terms are governed by official policy documents issued by insurers, and coverage may be subject to geographical restrictions or specific eligibility criteria.
Premium payments must be made on time to maintain active coverage. Late or missed payments may result in policy cancellation or suspension of coverage as specified in your policy documents. It is your responsibility to ensure timely payment of all premiums to avoid lapses in coverage.
Policy renewals are subject to the terms outlined in your policy documents. We will send renewal notices to your registered email address and mailing address prior to policy expiration. It is your responsibility to review renewal terms and ensure continued coverage by making timely payments.
All claims must be submitted in accordance with the procedures outlined in your policy documents. Failure to comply with claim notification requirements may result in denial of coverage. Claims are subject to verification, investigation, and approval according to the insurer's policies and applicable laws.
The claims process may require supporting documentation, including but not limited to police reports, medical records, repair estimates, and photographic evidence. You must cooperate fully with all claim investigations and provide requested documentation in a timely manner.
Hillinsure acts as a broker and facilitates the claims process between you and the insurance provider. We are not responsible for the final decision regarding claims approval or denial, as that responsibility lies with the insurer. However, we are committed to assisting you throughout the claims process and advocating on your behalf.
All premiums must be paid on time to maintain active coverage. We accept various payment methods, including credit cards, debit cards, electronic bank transfers, and automatic payments. Payment processing is handled securely through encrypted payment gateways to protect your financial information.
Late or missed payments may result in policy cancellation or suspension. If a payment is missed, we will send reminder notices to your registered contact information. Continued failure to make payments may result in policy lapse and loss of coverage.
Any disputes regarding billing should be directed to our customer service team within thirty days of the billing date. We will work diligently to resolve billing discrepancies and ensure accurate charges. For any billing queries, please contact us at [email protected] or call +1 (313) 346-0594.
Policyholders may cancel their insurance policies in accordance with the terms specified in their policy documents. Cancellation requests must be submitted in writing via email or mail to our customer service department. Upon receipt of your cancellation request, we will forward it to the relevant insurer for processing.
Refund eligibility and amounts are determined by the insurer and applicable state regulations. Some policies may have a grace period during which full refunds are available, while others may only provide pro-rated refunds based on the unused portion of the policy term.
Processing times for cancellations and refunds vary by insurer and will be communicated by the insurer directly to you. Hillinsure acts as a broker and facilitates the cancellation process but does not control refund decisions or timelines.
To the fullest extent permitted by applicable law, Hillinsure, its affiliates, officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
This includes but is not limited to loss of profits, revenue, data, or use, business interruption, loss of business opportunities, damages arising from your use or inability to use our services, any errors or omissions in content provided through our services, or unauthorized access to or alteration of your transmissions or data.
Our total liability to you for any claims arising from your use of our services shall not exceed the amount of premiums you have paid to us in the twelve months preceding the claim. This limitation applies regardless of the legal theory upon which the claim is based, whether in contract, tort, negligence, strict liability, or otherwise.
All content, features, and functionality on our services, including but not limited to text, graphics, logos, images, software, and design, are the exclusive property of Hillinsure or its licensors and are protected by copyright, trademark, patent, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from our services without our express written permission. Any unauthorized use may violate copyright, trademark, and other applicable laws and could result in criminal or civil penalties.
The Hillinsure name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Hillinsure or its affiliates. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans are trademarks of their respective owners.
Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our collection and use of your information as described in the Privacy Policy.
We implement reasonable security measures to protect your data, but we cannot guarantee absolute security. You acknowledge that you provide information at your own risk. We comply with applicable data protection laws, including but not limited to GDPR and CCPA where applicable.
For more detailed information about how we handle your personal data, please review our Privacy Policy available on our website.
You agree not to engage in any activities that may harm, disrupt, or interfere with Hillinsure's services or other users' experience. Prohibited activities include but are not limited to hacking, distributing malware, spamming, sending unsolicited communications, and violating intellectual property rights.
You must not engage in fraudulent activities, including submitting false insurance applications or claims. You must not attempt to gain unauthorized access to our systems, networks, or other users' accounts. You must not use automated systems or software to extract data from our website without our express written permission.
Violations of these prohibitions may result in immediate account termination, legal action, and reporting to law enforcement authorities. We reserve the right to investigate any suspected violations and take appropriate action.
Hillinsure's website may provide links to third-party websites and services for your convenience. These links are provided for informational purposes only and do not constitute an endorsement of the content or practices of these external sites.
We are not responsible for the content, accuracy, privacy practices, or availability of third-party websites. Your use of third-party websites is governed by their own terms and privacy policies, which we encourage you to review carefully. Hillinsure does not assume any liability for third-party content or services.
You agree to indemnify, defend, and hold harmless Hillinsure, its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, or expenses, including reasonable attorney's fees and court costs, arising from your use of our services, violation of these terms, or infringement of any third-party rights.
This indemnification obligation will survive the termination of your account and your use of our services. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with our defense of such claims.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which Hillinsure operates, without regard to its conflict of law provisions. Any disputes arising out of or relating to these terms shall be resolved through the following process.
In the event of any disputes, you agree to first attempt to resolve the matter through informal negotiation by contacting our customer service team. If the dispute cannot be resolved informally within thirty days, you agree to resolve such disputes through mediation or arbitration prior to pursuing litigation.
The mediation or arbitration process shall be conducted in accordance with the rules of a recognized dispute resolution organization. The decision of the arbitrator shall be final and binding on both parties. You agree to waive any right to a jury trial or to participate in a class action lawsuit.
Hillinsure reserves the right to suspend or terminate your account at any time, with or without cause, and with or without notice, if we believe you have violated these Terms and Conditions or engaged in fraudulent or harmful activities.
Upon termination, you will remain responsible for any outstanding fees or charges, and you must immediately cease all use of our services. We may also terminate or suspend access to our services for maintenance, updates, or other business reasons.
You may terminate your account at any time by contacting our customer service team. Upon termination, your access to our services will be revoked, and any active policies will be subject to the cancellation terms outlined in your policy documents.
Hillinsure provides its services on an "AS IS" and "AS AVAILABLE" basis. We make no warranties, express or implied, regarding the accuracy, completeness, reliability, or availability of the website and its content.
We disclaim all warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that our services will be uninterrupted, secure, or error-free, or that any defects will be corrected.
While we strive to provide accurate and up-to-date information, we do not warrant that the content on our website is free from errors or omissions. You use our services at your own risk and discretion.
Hillinsure reserves the right to update, modify, or change these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting on our website. We will update the "Last Modified" date at the bottom of this page to indicate when changes were made.
Continued use of the website and services after any modifications indicates your acceptance of the revised terms. We recommend checking this page periodically to stay informed of any updates or changes.
If you do not agree with any modifications to these terms, you must discontinue use of our services immediately.
These Terms and Conditions, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Hillinsure regarding the use of our services. This agreement supersedes all prior agreements, understandings, negotiations, and discussions, whether written or oral.
If any provision of these terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.
Hillinsure is committed to providing excellent customer support to assist with inquiries, complaints, and issues related to our services. Our dedicated customer service team is available to help you navigate the insurance process and answer any questions you may have.
Customers can reach our support team via phone, email, or through our website contact form. We strive to respond to all inquiries promptly and professionally. For urgent matters or immediate assistance, please call our customer service hotline.
By using Hillinsure's website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. You confirm that you are at least 18 years of age and have the legal capacity to enter into this agreement.
You consent to receive communications from Hillinsure, including but not limited to policy updates, renewal notices, promotional materials, and service-related announcements. You may opt out of marketing communications at any time by following the unsubscribe instructions in our emails.
If you have any questions about these Terms and Conditions, please contact us before using our services.
Last Modified: November 28, 2025
Effective Date: November 28, 2025
Protect what matters most with simple, reliable, and comprehensive insurance solutions you can trust.