Terms of Service
The terms and conditions that govern your use of LTC Tree's website and services.
Acceptance of Terms
By accessing or using the LTC Tree website, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.
Use of the Site
The content on this site is provided as general information only and should not be taken as investment, tax, or legal advice, nor as an offer to buy or sell any insurance product. LTC Tree is not an insurance agency; we connect visitors with independent, licensed Long Term Care Insurance agents in their state.
You agree to use this site only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the site.
Quote Requests
Submitting a quote request through our site does not obligate you to purchase any product and does not bind you to any insurance policy. Only a licensed insurance agent can finalize a policy. By submitting a quote request, you consent to be contacted by one or more licensed agents for the purpose of preparing your quote.
Intellectual Property
All site content — including text, graphics, logos, and imagery — is the property of LTC Tree or its licensors and is protected by copyright and trademark law. You may view and download content for personal, non-commercial use only. Any other use requires prior written consent.
Disclaimer of Warranties
The information and services on this site are provided “as is” without warranties of any kind, either express or implied. LTC Tree does not warrant the accuracy, completeness, or reliability of any content on the site, and will not be liable for any errors or omissions.
We recommend consulting with a licensed insurance professional to discuss your specific needs before making any insurance decisions.
Limitation of Liability
To the fullest extent permitted by law, LTC Tree shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or related to your use of this site, even if advised of the possibility of such damages.
Changes to These Terms
We may update these Terms of Service from time to time. Changes take effect when posted on this page. Your continued use of the site after changes are posted constitutes acceptance of the revised terms.
Contact Us
Questions about these terms? Reach us at info@ltctree.com or (800) 800-6139.