Terms of use

Information only

LeaveThemCovered.com is an independent information service published by Cowan Services LLC. We are not an insurance company, agency, or broker, and we do not sell, quote, bind, or service insurance. When you request help, we may pass your request to a participating licensed agent, who may pay us a flat advertising fee. Prices and funeral costs on this site are planning estimates, not quotes. Policy terms vary by insurer and state — confirm details with a licensed agent.

No insurance, legal, tax or financial advice

Nothing on this site is insurance, legal, tax or financial advice, an offer of insurance, or a quote. Coverage is provided only under the terms of a policy issued by a licensed insurer through a licensed agent. Premium and funeral-cost figures are estimates for planning and may differ substantially from actual prices.

Tools

Our tools simplify complex topics and use general assumptions. Verify anything important with a licensed agent, attorney or tax professional before relying on it. We provide the tools as-is without warranties.

Your requests

By submitting a request you confirm the information is accurate and that it's about yourself. Participating agents are independent businesses responsible for their own advice and services.

Limitation of liability

To the fullest extent allowed by law, Cowan Services LLC is not liable for any damages arising from your use of the site, its tools or content, or your dealings with any agent or insurer.

Changes

We may update these terms; the date above shows the latest version. Virginia law governs these terms.