Effective Date: June 6, 2025
This website, operated under the name Life Insurance Asheville (a DBA of Sidecar Leads LLC), provides information and lead generation services related to life insurance. By accessing or using this website (the “Website”), you agree to comply with and be bound by the following Terms and Conditions.
1. Acceptance of Terms
By using this Website, you agree to these Terms and Conditions. If you do not agree, please do not use the Website.
2. Changes to Terms
We reserve the right to modify or update these Terms and Conditions at any time. Changes are effective immediately upon posting. Continued use of the Website signifies your acceptance of any updates.
3. Use of the Website
You agree to use this Website only for lawful purposes. You are prohibited from: misrepresenting your identity; submitting false or misleading information; or using the Website for spamming, scraping, or illegal activity.
4. Lead Generation Disclaimer
We are a marketing platform that connects users with licensed life insurance professionals. We are not an insurance company, insurance provider, underwriter, or licensed agent. All insurance quotes, recommendations, and policy decisions are handled exclusively by independent licensed agents.
5. Consent & Compliance with TCPA
We comply with the Telephone Consumer Protection Act (TCPA) and all applicable consumer protection laws.
Visitors who submit their information on this site provide prior express written consent to be contacted by licensed agents via phone call, text message, or email — even if their number is on a federal or state Do Not Call registry.
While the FCC adopted a “one-to-one” consent rule in late 2023 requiring separate consent for each seller, this provision was vacated by the 11th Circuit Court in early 2025.
Regardless, we maintain best practices by ensuring all contact is consent-based, clearly disclosed, and fully trackable. We do not sell or share contact data without purpose and authorization.
6. Carrier Disclaimer
Life Insurance Asheville (Sidecar Leads LLC) is not affiliated with, endorsed by, or officially connected to any insurance company mentioned on this website. All trademarks, service marks, and company names are the property of their respective owners and are used strictly for descriptive and informational purposes.
This includes, but is not limited to:
AIG (American International Group), Aetna Life Lnsurance, Mutual of Omaha, Transamerica, John Hancock, Americo, American Amicable, Foresters Financial, Prosperity Life Group, Great Western, Insurance Company, Liberty Bankers Life, Gerber Life Insurance, SBLI (Savings Bank Life Insurance), Corebridge Financial, National Life Group, Royal Neighbors of America
Licensed professionals in our network may be appointed with one or more of the companies listed above and may offer their products. Life Insurance Asheville itself does not underwrite, quote, or bind insurance policies.
7. No Guarantees
We do not guarantee coverage, approval, or any specific insurance rate. Product availability and premiums vary depending on the carrier and the applicant’s eligibility.
8. Intellectual Property
All content, logos, graphics, and branding elements on this Website are the property of Sidecar Leads LLC or its affiliates and are protected by copyright, trademark, and intellectual property laws. Any unauthorized use is prohibited.
9. Third-Party Links
This Website may contain links to third-party websites. These links are provided for user convenience. We do not control third-party websites and are not responsible for their content or services.
10. Limitation of Liability
To the fullest extent permitted by law, Sidecar Leads LLC and its affiliates disclaim liability for any damages (including incidental or consequential damages) arising from your use or inability to use the Website.
11. Termination
We may suspend or terminate your access to this Website for any reason, without prior notice.
12. Contact Information
For questions regarding these Terms, please contact:
Sidecar Leads LLC
Doing Business As: Life Insurance Asheville
[Insert Business Address]
Email: [Insert Support Email]