Brands
situation

Why do I Need Life Insurance?

A policy will protect & provide for your loved ones when you no longer can with:

The Lowest Rates and Best Coverage

LifePlans.com is dedicated to helping you find the best life insurance policy, while saving you as much money as possible! How do we do that? Simply put, our technology and relationships are what enable us to pass the savings onto you.
Life insurance companies are constantly calculating and updating rates based on the changing demographics of the US population. LifePlans.com is connected to the databases of the leading carriers to help you find the best deal while using the most up-to-date rates.
What’s better is that our service is 100% free, and super-fast! All you have to do is:
  1. 1. Confirm your zip code.
  2. 2. Tell us about yourself and your coverage needs.
  3. 3. See your custom-results and start comparing multiple quotes.
As you are shopping around, there are certain questions that you should ask yourself. The best one to start with is: “How much coverage do I need?” To give you an idea, most people opt for a Term Policy with about $250,000 in coverage. Why this amount or any amount for that matter? The answer is that it all depends on how much debt you would need to payoff and how much income you would need to replace in the event you are no longer around to provide for your loved ones.
Another good question to ask yourself, or one of the several qualified agents LifePlans.com can connect you with, is how long do want to be covered and whether an investment component in your policy is right for you. Unlike a term policy, which as its name suggests has rates and coverage based on a set term or number of years, a Permanent Policy does not expire. Typically, Whole Life, the most common type of permanent insurance, not only serves to pay-out your beneficiaries upon your passing, but also has a current cash value that can be borrowed against or cashed-out anytime. Essentially, permanent policies are investments and can grow in value whereas term policies do not. The catch is that they often have higher premiums. You can learn more about life insurance and policy types by clicking on the icons below.
So with flexible policy options plus the best rates and coverage, don’t wait any longer. Secure your coverage now with LifePlans.com and get back to living your life with those who matter most!

Learn More

Get more information about life insurance and the different types of policies:

Privacy Policy

Effective Date: February 1, 2016

Our Practices Regarding Privacy

Katch LLC, through its www.lifeplans.com website (“Site”) is committed to ensuring the privacy and security of each user that visits our website. Your privacy rights are important to us and we are committed to respecting your online privacy and making sure that any information you share with us by using our website is properly protected.

We have established this www.lifeplans.com Privacy Policy so you know the importance we place on your privacy and so you can understand how we collect and use information collected from you when you visit our website or submit any personally identifiable information to us. This policy describes our overall privacy practices regarding information we collect on our web sites and through other Internet mediums. Our policy does not apply to the practices of companies that we do not own or control.

Data We Collect

When you visit our website, we collect personally identifiable information (“PII”) and non-personally identifiable information through various sources. PII means any information that may be used to identify an individual, including but not limited to name, address, and telephone number. Non-PII is data that is not used to specifically identify, contact or locate an individual, including but not limited to zip code, gender, and age.

When you use the Site, we automatically collect certain information from you, such as your browser type (e.g., Internet Explorer, Safari, Chrome); your Internet domain, (e.g., Comcast, Time Warner, etc.); your computer’s operating system, (e.g., Windows, Macintosh, UNIX, Linux); referring and exit page; operating system; the type of mobile device you use (if applicable); your mobile device’s unique device ID; and your IP address. This information lets us see how users find our Site, and it tells us which pages users visit most frequently so we can make our Site more useful. We keep this information for an indefinite amount of time to improve the operation of our Site and to provide better services to our users.

In addition to the data that your browser or Internet session sends us automatically, we may also collect PII if you enter it when using our website. This contact information is stored on our servers and used to fulfill your information request. If you have not opted out of its use, we may share it with our data licensees, including our advertising clients and their vendors, and other advertising partners.

How We Use and Share Your Information

We may use the information we collect from and about you for the following purposes: (1) to fulfill your requests for information; (2) to respond to your inquiries; (3) to review Site usage and operations; (4) to address problems with the Site, our business, or our services; (5) to protect the security or integrity of the Site and our business; (6) to monitor the Site for compliance with our Terms of Use and the law; (7) to help improve our Site or services; and (8) to contact you with Site updates, newsletters and other informational and promotional materials from us and third party marketing offers from our trusted partners, as well as from other companies.

We may disclose information collected from and about you as follows: (1) to our related companies and service providers, to perform a business, professional or technical support function for us; (2) to our marketing partners, advertisers or other third parties, who may contact you with their own offers; (3) as necessary if we believe that there has been a violation of our Terms of Use or of our rights or the rights of any third party; (4) to respond to legal process (such as a search warrant, subpoena or court order) and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; and (5) in the event that our company or substantially all of its assets are acquired, your personal information may be one of the transferred assets. We may also disclose your personal information with your express consent. We may share aggregate, non-personally identifiable information about Site users with third parties.

Third Parties Contacting You

Different advertisers and advertising companies have different methods of following up with you on information requests. Some send brochures in the mail, others reply via email or some may contact you by telephone. By using our service to request information from our advertising clients and advertising partners, you are giving permission to Katch LLC and these parties (or their partners and vendors) to contact you using the methods of their choice, even if the phone number you provide is in a corporate, state, or national do not call list, now or in the future (unless and until you opt-out from receiving communications from us or such partners, as applicable). You are also providing your express consent to be called or texted (including prerecorded messages or using an autodialer or automated means) at the number you provide.

Cookies

Our websites use cookies (small files containing program code that reside on your computer), to provide usage statistics about our web site, and to understand where visitors learn about our web site. We also may use cookies to simplify the re-entering of your data. You can adjust your browser settings to opt out of the use of cookies by having your browser disable cookies. Look for the cookie options in your browser in the Options or Preferences menu.

Additionally, we use cookies, web beacons, and other technologies to receive and store certain types of information whenever you interact with us through your computer or mobile device on the Site. This information, which may include the pages you visit on our or our partners’ sites, which web address you came from, the type of browser/device/hardware you are using, or an IP-based geographic location, helps us recognize you, customize your website experience and make marketing messages more relevant. These companies use non-personally identifiable information (e.g., click stream information, browser type, time and date, hardware/software information) during your visits to this and other websites in order to provide advertisements about goods and services likely to be of greater interest to you. At this time, we do not respond to browser “do not track” signals. However, we may provide you with ways to choose not to have your information collected or used in this way. To learn more about targeted ads or to opt-out of this type of advertising, visit the Network Advertising Initiative website or Digital Advertising Alliance website.

Opt-Out of Receiving Communications from www.lifeplans.com

You may opt out by contacting us by submitting a “Stop contacting me” request on our Contact Us page; calling us at (310) 219-6200; or sending a letter to: Katch LLC, 2381 Rosecrans Ave, Suite 400, El Segundo, CA 90245.

Children’s Privacy

We do not direct the Site to, nor do we knowingly collect any PII from, any individuals less than thirteen years of age. If you are the parent or guardian and are made aware that a child under the age of 13 has provided us with PII, please contact us.

Third Party Links

This Site may contain links that direct you to websites owned and operated by other companies. www.lifeplans.com does not control or endorse these websites, and we do not assume any responsibility for the content, privacy policies or practices of any third party websites, which may use cookies and collect PII from you. We recommend that you review the privacy policy posted on any external website before disclosing any PII. Please contact those websites directly if you have any questions about their privacy policies.

California Privacy Rights

Under California's "Shine the Light" law, we provide a method for consumers to "opt-out" of having their information shared with third-parties. Contact Us using the methods described in the “Contact Us” section to unsubscribe.

Privacy Policy Changes

www.lifeplans.com may change this Privacy Policy at any time. Should we revise this Privacy Policy in the future, we will immediately publish the amended Privacy Policy on our website. We recommend that you check our website frequently to view recent changes or updates.

Contact Us

We invite you to contact us if you have questions or comments about our Privacy Policy or you want to change the personally identifiable information you have provided to us. You may contact us by:
Sending a letter to:
Katch LLC, 2381 Rosecrans Ave, Suite 400, El Segundo, CA 90245
Calling us at (310) 219-6200
Emailing us at: privacy@lifeplans.com

If we need, or are required to, contact you regarding your personal information, we may do so by telephone, email, or mail.

Terms Of Use

Effective Date: February 1, 2016

Please read these terms and conditions of use before using this site.

The www.lifeplans.com website ("www.lifeplans.com" or the "Site") is owned and operated by Katch LLC ("Katch"). By using this Site, you signify your assent to these Terms of Use ("Terms" or "Agreement"). If you do not agree to all of these Terms, do not use this site.

BY ACCESSING OR USING ANY PART OF THE SITE, YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THIS AGREEMENT. IF YOU DO NOT AGREE TO BE SO BOUND, DO NOT ACCESS OR USE THE SITE. PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN A MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER.

Katch may revise and update these Terms at any time. Your continued usage of the Site will mean you accept those changes.

Use of the Website

By using the Site, you represent to Katch that 1) you are authorized to enter into this Agreement and you are at least the age of majority in your state or province of residence; (2) you will not use the Site for any purpose or in any manner that violates any law or regulation or that infringes the rights of Katch or any third party; (3) any information or data provided to Katch by you will not violate any law or regulation or infringe the rights of Katch or any third party; (4) all information that you provide to us in connection with the Site (e.g., name, e-mail address, and other information) is true and accurate; and (5) you are authorized and able to fulfill and perform the obligations and meet the conditions of a user as specified herein. This Agreement provides to you a personal, revocable, limited, non-exclusive, royalty-free, non-sublicenseable, non-transferable license to use the Site conditioned on your continued compliance with the Terms of this Agreement. You may print and download materials and information from the Site solely for your personal use, provided that all hard copies contain all copyright and other applicable notices contained in such materials and information. Notwithstanding the foregoing, you may not modify, translate, decompile, create derivative work(s) of, copy, distribute, disassemble, broadcast, transmit, publish, remove or alter any proprietary notices or labels, license, sublicense, transfer, sell, mirror, frame, exploit, rent, lease, private label, grant a security interest in, or otherwise use the Website in any manner not expressly permitted herein. Specifically, and by way of illustration and not limitation, you may not (a) separate and use any graphics, photographs, or other audio, visual, or video elements from the accompanying text or material without the prior express written permission of Katch and/or its licensor(s); (b) use any "deep link," "page scrape," "robot," "spider," or other device, program, script, algorithm, or methodology to access, acquire, copy, or monitor any portion of the Site or in any way reproduce or circumvent the navigational structure of the Site to obtain or attempt to obtain any materials, documents, or information through any means not purposely made available through the Site; (c) probe, scan, or test the vulnerability of the Site or any network connected to the Site; (d) use any device, software, or routine to interfere with the proper working of the Site or any transaction conducted on the Site; (e) forge headers, impersonate a person, or otherwise manipulate identifiers in order to disguise your identity or the origin of any message or transmittal you send to Katch on or through the Site; (f) use the Site to harvest or collect e-mail addresses or other contact information; or (g) use the Site in a manner that could damage, disparage, or otherwise negatively impact Katch. The licenses granted by Katch terminate if you do not comply with these Terms.

The material, images, and text on the Site ("Content") is protected by copyright under both United States and foreign laws. Title to the Content remains with www.lifeplans.com or its licensors. Any use of the Content not expressly permitted by these Terms and Conditions is a breach of this Agreement and may violate copyright, trademark, and other laws. Content and features are subject to change or termination without notice in the editorial discretion of www.lifeplans.com. All rights not expressly granted herein are reserved to www.lifeplans.com and its licensors. If you violate any of these Terms, your permission to use the Content automatically terminates and you must immediately destroy any copies you have made of any portion of the Content.

PRIVACY

Please review our Privacy Policy to understand our practices regarding personal information provided by you, which is incorporated herein by reference.

Limitation of Liability and Disclaimer of Warranties

The use of the Site and the Content is at your own risk. When using the Site, information will be transmitted over a medium that may be beyond the control and jurisdiction of www.lifeplans.com and its suppliers. Accordingly, www.lifeplans.com assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Site. The Site and the content are provided on an "as is" and "as available" basis and may include errors, omissions, or other inaccuracies. MOREOVER, Katch MAY MAKE MODIFICATIONS ANY/OR CHANGES ON THIS SITE OR IN THE MATERIALS AND INFORMATION AVAILABLE ON THIS SITE AT ANY TIME AND FOR ANY REASON. Katch MAKES NO REPRESENTATIONS, GUARANTEES, OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILITY, LEGALITY, OR ACCURACY OF THE Katch SERVICES OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS, OR OTHER SERVICES, OR INCLUDED ON OR OTHERWISE MADE AVAILABLE ON THE SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE IS AT YOUR OWN RISK. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, Katch DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE. Katch DOES NOT WARRANT THAT THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE, Katch’S SERVERS, OR ELECTRONIC COMMUNICATIONS SENT FROM Katch ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. Katch ALSO MAKES NO REPRESENTATION, GUARANTEE, OR WARRANTY THAT THIS WEBSITE WILL OPERATE ERROR FREE OR IN AN UNINTERRUPTED FASHION.

To the maximum extent permitted by law, in no event shall Katch, its licensors, its suppliers, or any third parties mentioned on the Site be liable for any damages (including, without limitation, indirect, punitive, special, incidental, or consequential damages, personal injury/wrongful death, lost profits, or damages resulting from lost data or business interruption) resulting from the use of or inability to use the Site or the Content, the delay or inability to use the Site, or from any information, Content, materials, or Katch services included on or otherwise made available to you through the Site, whether based in contract, tort, strict liability, or otherwise, and whether or not Katch, its licensors, its suppliers, or any third parties mentioned on the Site have been advised of the possibility of such damages. Katch, its licensors, its suppliers, or any third parties mentioned on the Site shall be liable only to the extent of actual damages incurred by you, not to exceed U.S. $100. Any claims arising in connection with your use of the Site or any Content must be brought within one (1) year of the date of the event giving rise to such action occurred.

User Submissions

You agree that you will not upload or transmit any communications or content of any type to the Site that infringe or violate any rights of any party. By submitting communications or content to the Site, you agree that such submission is non-confidential for all purposes. If you make any submission to the Site or if you submit any business information, idea, concept or invention to www.lifeplans.com by email, you automatically grant-or warrant that the owner of such content or intellectual property has expressly granted Katch a royalty-free, perpetual, irrevocable, sublicensable world-wide nonexclusive license to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform, and display the communication or content in any media or medium, or any form, format, or forum now known or hereafter developed. If you wish to keep any business information, ideas, concepts or inventions private or proprietary, do not submit them to the Site or to www.lifeplans.com by email.

Advertisements, Searches, and Links to Other Sites

www.lifeplans.com may provide links to third-party websites. www.lifeplans.com also may select certain websites as priority responses to search terms you enter and www.lifeplans.com may agree to allow advertisers to respond to certain search terms with advertisements or sponsored content. www.lifeplans.com does not endorse the content on any third-party websites. www.lifeplans.com is not responsible for the content of linked third-party sites, sites framed within the Site, third-party websites provided as search results, or third-party advertisements, and does not make any representations regarding their content or accuracy. Your use of third-party websites is at your own risk and subject to the terms and conditions of use and privacy policies for such websites.

ELECTRONIC COMMUNICATIONS

When you use the Site, or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on or through the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

MODIFICATIONS

We reserve the right at any time to modify or discontinue the Site (or any part or content thereof) without notice at any time. www.lifeplans.com may add, modify, or delete any aspect, program, or feature of the Site. We shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the Site.

Governing Law

These Terms are governed by the laws of the State of California, without respect to its conflict of laws principles.

ARBITRATION

All disputes arising out of or relating to any purchase you make with via this Site, any information you provide via the Site, these Terms (including the formation, performance or alleged breach), and your use of the Site will be exclusively resolved under confidential binding arbitration in accordance with the Rules of the American Arbitration Association ("AAA"), including the AAA's Supplementary Procedures for Consumer-Related Disputes (collectively, the "AAA Rules") then in effect at the time of the dispute. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. If you initiate arbitration, Katch will promptly reimburse you for any standard filing fee which may have been required under AAA Rules once you have notified Katch in writing and provided a copy of the arbitration proceedings. However, if Katch is the prevailing party in the arbitration, applicable law may allow the arbitrator to award attorneys’ fees and costs to Katch. If for any reason the AAA is unavailable, the parties shall mutually select another arbitration forum. The arbitration will be conducted in the city of Los Angeles, California, but may proceed telephonically if the claimant so chooses.

The arbitrator’s award will be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under these Terms may be joined to an arbitration involving any other party subject to these Terms, whether through class arbitration proceedings or otherwise. Notwithstanding the foregoing, we will have the right to seek injunctive or other equitable relief in state or federal court located to enforce these Terms or prevent an infringement of a third party’s rights. In the event equitable relief is sought, each party hereby irrevocably submits to the personal jurisdiction of such court.

WAIVER OF CLASS ACTION RIGHTS

ANY DISPUTES ARISING OUT OF OR RELATING TO YOUR USE OF THIS SITE, ANY INFORMATION YOU PROVIDE VIA THE SITE, THESE TERMS (INCLUDING THEIR FORMATION, PERFORMANCE OR ALLEGED BREACH), AND YOUR USE OF THE SITE SHALL BE SUBMITTED INDIVIDUALLY BY YOU, AND SHALL NOT BE SUBJECT TO ANY CLASS ACTION OR REPRESENTATIVE STATUS. BY ENTERING INTO THIS AGREEMENT, YOU HEREBY IRREVOCABLY WAIVE ANY RIGHT YOU MAY HAVE TO JOIN CLAIMS WITH THOSE OF OTHERS or participate as a member of a class of claimants with respect to any claim submitted to arbitration. The parties to this arbitration agreement acknowledge that this class action waiver is material and essential to the arbitration of any disputes between the parties and is nonseverable from the agreement to arbitrate claims. If any portion of this class action waiver is limited, voided, or cannot be enforced, then the parties' agreement to arbitrate shall be null and void. YOU UNDERSTAND THAT BY AGREEING TO THIS CLASS ACTION WAIVER, YOU MAY ONLY BRING CLAIMS AGAINST Katch IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING.

Notice and Take Down Procedures; Copyright Agent

If you believe any materials accessible on or from the Site infringe your copyright, you may request removal of those materials (or access thereto) from this web site by contacting www.lifeplans.com's copyright agent (identified below) and providing the following information:

  1. Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (e.g., URL) of an authorized version of the work.

  2. A description, in reasonable detail (including the applicable URL) of the material that you believe to be infringing and its location. Please provide us with enough information that will allow us to locate the material.

  3. Your name, address, telephone number and (if available) e-mail address.

  4. A statement that you have a good faith belief that the complained-of use of the materials is not authorized by the copyright owner, its agent, or the law.

  5. A statement by you, made under the penalty of perjury, that the information that you have supplied is accurate, and indicating that you are the copyright owner or are authorized to act on the copyright owner's behalf.

  6. A signature or the electronic equivalent from the copyright holder or authorized representative.

Please send this notice to:
Attn: www.lifeplans.com Legal

2381 Rosecrans Ave, Suite 400,
El Segundo, CA 90245
Email: privacy@lifeplans.com

Complete Agreement

Except as expressly provided in a particular "legal notice" on the Site or via e-mail from Katch or www.lifeplans.com, this Agreement and the www.lifeplans.com Privacy Policy constitute the entire agreement between you and www.lifeplans.com with respect to the use of the Site and Content.

If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. No waiver of any of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

Contact Us

Thank you for your cooperation. We hope you find the Site helpful and convenient to use! Questions or comments regarding this website, including any reports of non-functioning links, should be submitted through our Contact Us page.

© 2016 www.lifeplans.com All rights reserved