Important Consumer Disclosure

IMPORTANT CONSUMER DISCLOSURES

Last Updated: March 2026

This page provides important disclosures regarding the insurance services offered through LifeyInsurance.com. These disclosures are intended to help consumers understand the role of this website, the nature of insurance products referenced here, and important limitations associated with insurance quotes, underwriting, and marketing communications.

1. Insurance Solicitation Notice

This website constitutes a solicitation for insurance.

Insurance products referenced on LifeyInsurance.com are offered through licensed insurance producers and are issued by third-party insurance carriers that are responsible for underwriting and issuing policies.

Coverage availability, eligibility requirements, policy features, and premiums vary based on insurer, state availability, age, health, and underwriting guidelines.

2. Insurance Producer Status

LifeyInsurance.com is operated by:

Qais A. Laban  

Licensed Life Insurance Agent  

National Producer Number (NPN): 22048910

Lifey is not an insurance company and does not underwrite or issue insurance policies.

Insurance policies referenced on this website are issued by third-party insurance carriers that assume all underwriting and contractual obligations associated with the policy.

3. No Insurance, Legal, or Financial Advice

Information provided on this website is for general informational and educational purposes only.

Nothing contained on this website should be interpreted as financial, legal, tax, or insurance advice.

Consumers should consult with qualified professionals regarding their individual financial, legal, or insurance planning needs.

4. Quote and Rate Estimate Disclaimer

Any quote estimates, rate illustrations, or coverage examples displayed on this website are provided for informational purposes only.

Quote estimates are not binding offers of insurance.

Actual premiums, eligibility, and coverage terms are determined solely by the issuing insurance carrier following underwriting review.

5. Underwriting Determination

Insurance carriers evaluate applications based on underwriting guidelines that may consider factors such as:

• age  

• medical history  

• prescription drug history  

• lifestyle activities  

• driving records  

• financial information  

Insurance carriers may also obtain additional information from third-party sources including consumer reporting agencies and underwriting databases.

The website operator does not control underwriting decisions made by insurance carriers.

6. Consumer Responsibility

Consumers are responsible for providing accurate and complete information when completing insurance applications.

Providing inaccurate or incomplete information may affect underwriting outcomes and could result in denial of coverage or rescission of an issued policy.

7. Third-Party Platforms and Technology

LifeyInsurance.com may utilize third-party technologies to support website functionality and insurance processing.

These may include:

• secure form platforms  

• insurance carrier electronic application systems  

• insurance marketing organizations (BGAs)  

• analytics and marketing tools  

Third-party providers may process information submitted through the website in order to support insurance application processing.

8. Multi-State Licensing and Referral Disclosure

Insurance services offered through this website are provided only in jurisdictions where the operator is properly licensed.

If a consumer located in a jurisdiction where the operator is not licensed submits an inquiry or request for insurance information, the consumer’s information may be shared with a licensed insurance professional or agency authorized to conduct insurance business in that jurisdiction.

Such referrals are intended to help consumers obtain insurance services from properly licensed professionals in their state.

9. No Government Affiliation

LifeyInsurance.com is not affiliated with, endorsed by, or associated with any federal or state government agency.

References to government programs or benefits are provided solely for informational purposes.

10. Marketing and Advertising

Advertisements and marketing content displayed on this website are intended to provide general information about insurance products.

Insurance product availability and eligibility may vary by state and insurance carrier.

11. Electronic Communications

By submitting contact information through this website, consumers may receive communications from licensed insurance professionals regarding insurance products or services.

Consumers may opt out of marketing communications in accordance with applicable laws.

12. Questions or Concerns

If you have questions regarding these disclosures or insurance services offered through this website, please contact:

qais@lifeyinsurance.com

Mailing Address

6058 E Silverspur Trail  

Anaheim, California 92807  

United States