Terms of Use
Effective date: October 14, 2026
Using this site
By using policyocean.com you agree to these terms. If you do not agree, please do not use the site.
Not an offer of insurance
Rates, estimates and health-class indications shown on this site are for illustration only and are not an offer, binder or guarantee of coverage. Coverage is provided only by the issuing insurance company after it approves your application and you pay the first premium. Products, features and availability vary by state and carrier.
Educational content
Articles, calculators and tools are general information, not financial, tax or legal advice. Talk to a licensed professional about your specific situation.
Accuracy of your information
You agree that the information you provide is accurate and is about you or someone who has authorized you to provide it. Inaccurate information can change your rates or eligibility.
Communications
If you provide a phone number and consent, you agree we may contact you as described in our Privacy Policy. You can withdraw consent at any time.
Intellectual property
Site content, design and code belong to Policy Ocean or its licensors and may not be copied without permission.
Limitation of liability
The site is provided "as is." To the fullest extent permitted by law, Policy Ocean is not liable for indirect or consequential damages arising from use of the site.
Changes
We may update these terms. Continued use of the site after changes means you accept the updated terms.
Contact
Questions about these terms? Email [email protected] or call (855) 797-0657.