Insurance Disclosures

iEnsure Insurance is an independent licensed insurance producer operating as iEnsure Insurance Group, iEnsure Insurance Solutions, and MacCap, LLC. We are authorized to market and distribute life insurance products on behalf of insurance carriers.

Business Address:
8910 University Center Ln
San Diego, CA 92122

All life insurance policies marketed through this website are issued by Fidelity Life Association, a legal reserve life insurance company headquartered in Wheeling, Illinois. Fidelity Life Association has been in business since 1896.

Carrier Information:
Fidelity Life Association
8700 W. Bryn Mawr Avenue, Suite 900S
Chicago, IL 60631

iEnsure Insurance is not owned, affiliated with, or controlled by Fidelity Life Association, except as an authorized distributor of their insurance products.

This website (www.iensureinsurance.com) provides information and directs applicants to our secure online application platform at iensureinsurance.instabrain.io. The InstaBrain platform is a separate third-party application system used to collect and process insurance applications.

When you click to apply for coverage, you will be redirected to the InstaBrain platform to complete your application. The InstaBrain platform is operated independently and has its own terms of service and privacy policy.

State Availability: Life insurance products may not be available in all states. Coverage availability, policy features, and premiums vary by state.

Underwriting Required: All life insurance applications are subject to underwriting approval by Fidelity Life Association. Not all applicants will qualify for coverage. The carrier reserves the right to decline coverage or offer different terms based on underwriting evaluation.

No Medical Exam Coverage: Simplified issue life insurance without medical exams is available up to $1,500,000 for qualified applicants. Eligibility is based on health questions answered in the application. Some medical conditions may result in coverage denial or reduced coverage amounts.

Age Restrictions: Coverage availability and maximum coverage amounts vary by age. Some products may have minimum and maximum age requirements.

Premium rates quoted on this website are estimates only. Actual premiums are determined by the insurance carrier based on factors including age, health, coverage amount, policy type, and underwriting class. Your final premium may differ from initial quotes.

Advertised starting premiums (e.g., "$10/month") represent the lowest available rates for the most favorable underwriting class and may not be available to all applicants.

No PHI Collection on This Website: This informational website (www.iensureinsurance.com) does not collect, store, or process Protected Health Information (PHI) or personal health data. Health information is only collected through the secure InstaBrain application platform when you apply for coverage.

Limited Data Collection: This website may collect basic contact information (name, email, phone number) if you voluntarily submit it through our contact forms. This data is used solely to respond to your inquiries and provide insurance information.

See our Privacy Policy for complete details on how we handle your information.

iEnsure Insurance maintains appropriate insurance producer licenses in the states where we conduct business. All business is conducted in accordance with state insurance regulations.

Life insurance policies are regulated by state insurance departments. Policy terms, benefits, and exclusions are detailed in the policy contract issued by Fidelity Life Association.

Life insurance policies contain specific terms, conditions, exclusions, and limitations. Common exclusions may include suicide within the first two policy years and material misrepresentations on the application.

This website provides general information about policy features. The complete terms and conditions are contained in the policy contract. Always review your policy documents carefully.

iEnsure Insurance receives commissions from insurance carriers for policies sold. These commissions are paid by the insurance company and do not increase the cost of coverage to consumers.

The information on this website is provided for general informational purposes only and should not be considered professional advice. Life insurance purchasing decisions should be made based on your individual circumstances and needs. We recommend consulting with financial, legal, or tax professionals as appropriate.

We make reasonable efforts to ensure information accuracy, but we do not guarantee that all information is current, complete, or error-free. Policy terms, availability, and pricing are subject to change without notice.

For questions about these disclosures or our life insurance products:

Phone: (844) 655-3097
Email: support@iensureinsurance.com
Address: 8910 University Center Ln, San Diego, CA 92122