Effective date: October 23, 2026
These Terms of Service (“Terms”) are a binding agreement between you and Phillip Chin, an independent licensed insurance broker (NPN #8895251), doing business as Plan with Phil (“we,” “us,” or “our”). They cover your use of planwithphil.com and quote.planwithphil.com (the “Site”) and any quotes, tools, forms, or services we provide through it. By using the Site, you agree to these Terms and to our Privacy Policy. If you don’t agree, please don’t use the Site.
PLEASE READ SECTION 21 CAREFULLY. IT REQUIRES MOST DISPUTES TO BE RESOLVED BY INDIVIDUAL BINDING ARBITRATION, AND IT WAIVES CLASS ACTIONS AND JURY TRIALS. YOU MAY OPT OUT WITHIN 30 DAYS AS EXPLAINED IN THAT SECTION.
1. Who we are
Plan with Phil is an independent insurance broker. We are not an insurance company, and we don’t issue policies, set rates, or pay claims. We compare life and disability insurance products from multiple carriers and help you apply.
2. Who can use the Site
You must be at least 18 years old and a resident of the United States to request quotes or apply for coverage through the Site. We sell insurance only in states where we are licensed. See our State Licenses page. Not every product or carrier is available in every state.
3. How we’re paid
We don’t charge you a broker fee. When a policy is issued, the insurance carrier pays us a commission. Some carriers also pay bonuses or other compensation based on the overall volume or quality of business we place with them. This compensation is built into carrier pricing; it isn’t added to your premium because you used us.
4. Quotes are estimates and can change
Quotes on the Site are estimates based on the information you provide and the carrier rates available at that moment. Your final premium, rate class, and eligibility are decided by the carrier after underwriting, which may include a medical exam, medical records, prescription history, driving records, and other checks. A quote can change if your age changes before you apply (for example, after a birthday), if the carrier updates its rates, or if underwriting reveals different information.
5. No guarantee of the lowest price
We work to compare a wide range of carriers, but we don’t guarantee that any quote is the lowest available anywhere or that every carrier or product is shown. The decision to buy, and which policy to buy, is yours.
6. No coverage until approved
Submitting a quote request