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Terms of Service

TERMS OF SERVICE DESCRIPTION

LifePoint Group (“LifePoint”) makes contact (telephone, text or email) with current customers on an Agent’s behalf with the purpose of scheduling a life insurance review appointment (or general insurance review) with an Agent or licensed staff. LifePoint will attempt contact the customer multiple times during the service period at the discretion of LifePoint or request of Agent.

Agent Licensing

LifePoint makes calls on Agent’s behalf and does so with the understanding that the Agent and appropriate staff are licensed insurance agent(s) within the state(s) which Agent is providing insurance services. LifePoint reserves the right to ask for proof of license before, during or after the completion of this agreement. If the Agent or any licensed staff member should have their insurance license lapse or terminated during the period of this agreement, then Agent must notify LifePoint by email at support@lifepointcalls.com or by mail at 1007 N. Orange St, 4th Floor - Suite 1276, Wilmington, DE 19801 within 1 business day of the lapse or termination. LifePoint only makes calls on behalf of licensed agents and licensed staff members.

LIFEPOINT’S GUARANTEED MONTHLY PACKAGE

LifePoint’s guaranteed life insurance review packages (10, 15 or 20 monthly life review appointments and custom guaranteed packages) are subject to the following:

  1. BILLING - Service periods and billing cycles may begin on the 1st of every month. The first billing may occur on or about the 1st of the month. If Agent elects to have service performed in the month of signup, then Agent will be billed within 3 business days of signup. Billing for services is a subscription and will begin and continue to occur for the specified time period agreed to unless opting out of service due to a monthly commitment not being achieved by LifePoint.
  2. GUARANTEE - If Agent does not receive the number of contracted appointments in a month of service, Agent can opt to cancel service. Any remaining month in the service agreement are then cancelled and the Agent will not be billed for those month(s). If Agent wishes to continue service in this opt out scenario, LifePoint will attempt to cover appointment discrepancy in subsequent month(s). This guarantee is conditional on the agent’s timely submission of policyholder information needed for calling as coordinated by LifePoint’s Account Manager. Agent is responsible to provide sufficient names, availability and other pertinent information needed to set the contracted number of appointments. For the purposes of this agreement, sufficient names is defined as 10 names for each contracted appointment, submitted to LifePoint no later than the 10th day of the service month. Sufficient availability is defined as having the number of available appointment times each month equal to or greater than the number of contracted appointments. Agent’s failure to provide sufficient names or availability within a service period will result in the termination of service agreement and any claim to a refund, credit or other form of compensation.
  3. APPOINTMENT NO-SHOWS & CANCELLATIONS: LifePoint will replace up to 3 no-show appointments per service month. To qualify for the replacement appointments, Agent must notify LifePoint of the no-show within 48 hours of the scheduled appointment using the provided customer meeting follow up form emailed to them, using www.lifepointcalls.com/meetingfollowup or emailing support@lifepointcalls.com. The Agent will reschedule any customer appointments they wish to, LifePoint will only replace no-show appointments with newly scheduled households. The replacement appointments are counted toward and credited in the month the no-show is reported. It is the Agent’s responsibility to ensure LifePoint has sufficient customer names to schedule these replaced appointments. A customer meeting will not be rescheduled by LifePoint due to a change in the agent's availability or schedule not communicated ahead of time, as this appointment will need to be handled by the agency to ensure the best treatment of the customer. LifePoint will not attempt to reschedule any appointments where the customer’s schedule changed, or they don’t show up at the originally scheduled time with Agent/licensed staff. 
  4. NON-OFFICE APPOINTMENTS: Agent elects to accept phone, virtual or in-office or in-home appointments, and these will be counted toward the appointment count for the monthly agreement.
  5. SCHEDULE & LOCATION CONFLICTS: LifePoint will seek approval from the Agent via email for appointments that are outside of the parameters of their pre-arranged calendar times. If the Agent does not respond to the inquiry within one week, then the appointment will be counted toward the Agent’s appointment count.
  6. DIALING AS NUMBER: All calling on Agent’s behalf will be done using a phone number owned and routed back to LifePoint. 

LIFEPOINT’S 30-DAY ENROLLMENT “DISCOVERY PERIOD”

LifePoint’s 30-day enrollment (“Discovery Period”) is a service for any single calendar month and is subject to the following:

  1. BILLING - If Agent elects to have “Discovery period” service performed during the month of signup, Agent will be billed within 3 business days of enrollment. LifePoint services are considered a subscription and will begin and continue to occur for the specified time period agreed to unless opting out of service during the “Discovery Plan” calendar month. Agent agrees to inform LifePoint of their intention to not renew services past the “discovery period” by notifying their assigned Account Manager or by email at support@lifepointcalls.com on or before the 21st calendar day of the service month. Failure to cancel by this time would result in the next month being billed at normal pricing and service would continue on a month-to-month basis.
  2. APPOINTMENT NO-SHOWS & CANCELLATIONS: LifePoint will replace up to 3 no-show appointments per service month. To qualify for the replacement appointments, Agent must notify LifePoint of the no-show within 48 hours of the scheduled appointment using the provided customer meeting follow up form emailed to them, using www.lifepointcalls.com/meetingfollowup or emailing support@lifepointcalls.com. The Agent will reschedule any customer appointments they wish to, LifePoint will only replace no-show appointments with newly scheduled households. The replacement appointments are counted toward and credited in the month the no-show is reported. It is the Agent’s responsibility to ensure LifePoint has sufficient customer names to schedule these replaced appointments. A customer meeting will not be rescheduled by LifePoint due to a change in the agent's availability or schedule not communicated ahead of time, as this appointment will need to be handled by the agency to ensure the best treatment of the customer. LifePoint will not attempt to reschedule any appointments where the customer’s schedule changed, or they don’t show up at the originally scheduled time with Agent/licensed staff. 
  3. NON-OFFICE APPOINTMENTS: Agent elects to accept phone, virtual or in-office or in-home appointments, and these will be counted toward the appointment count for the monthly agreement.
  4. SCHEDULE & LOCATION CONFLICTS: LifePoint will seek approval from the Agent via email for appointments that are outside of the parameters of their pre-arranged calendar times. If the Agent does not respond to the inquiry within one week, then the appointment will be counted toward the Agent’s appointment count. If a customer appointment has already been scheduled and the agent's availability changes, it will be the Agent's responsibility to handle any rescheduling of that customer.
  5. DIALING AS NUMBER: All calling on Agent’s behalf will be done using a phone number owned and routed back to LifePoint. LifePoint will attempt to display the caller ID alpha as the Agent’s carrier name.

"LIFEPOINT PLUS" PRE-QUALIFYING SERVICE

LifePoint Plus packages have the same terms of service as guaranteed packages but are offered without an appointment setting guarantee. LifePoint Plus is a "pay-per-household" plan with a minimum 50 households needed for each monthly engagement. LifePoint agents are not licensed to quote or recommend any life insurance products but may ask questions to assist an agent in building a client profile.

CALLING SCRIPTS/TALKPATHS

The scripts used for calling are predetermined by LifePoint’s account manager and agreed upon by the Agent and LifePoint. Agent agrees that calls will be made using the approaches provided by LifePoint. LifePoint reserves the right to adjust calling scripts/talkpaths as needed to ensure compliance with all rules and regulations for appointment setting services in that state.

GENERAL INSURANCE REVIEW SCHEDULING

If during the course of LifePoint's life insurance appointment service, a customer of the Agent declines a life insurance specific review appointment, LifePoint callers may try to schedule a general insurance review for the Agent if agreed to. 

All of LifePoint's General Insurance Review packages are month-to-month and there is no Discovery Plan available.

NAMES FOR CONTACT

For all services, names to call are provided by Agent and are current customers doing business with the Agent/Carrier. The customer information may be submitted to LifePoint in Microsoft Excel format using secure email or secure chat. It is the Agent’s responsibility not to send any names to LifePoint for which there has been a prior DO NOT CALL request made to the agent/carrier. Agent agrees that all names or clients sent to LifePoint have an established business relationship with Agent and have active insurance policies with Agent or had active policies within the last 30 days.

LifePoint will not make calls on Agent’s behalf using Auto Dialer technology as defined in the TCPA but may use technology which is defined as ‘Automated Calling Systems’ as defined by the State of Florida or other states who create their own definitions of calling systems. When submitting any name list to LifePoint, Agent certifies all leads have signed and agreed to disclosures required by law to allow the use of “Automated Calling Systems” as defined by the State of Florida and/or other applicable states. Agent shall be responsible to maintain records of these disclosures. It is Agent’s responsibility to know and understand which names Agent and its assigned agents can legally call and to submit names to LifePoint consistent with all those applicable laws. Agent further agrees to hold LifePoint harmless and to defend LifePoint from legal or regulatory claims for Agent’s failure to provide client names consistent with this agreement.

To maintain compliance with Do Not Call regulations, names are valid for only 30 days of calling. If Agent would like to have a customer called again then that name must be submitted again by Agent. If a customer of Agent has made a Do Not Call request, Agent must remove them from calling lists prior to sending them to LifePoint. LifePoint will automatically remove any phone number that makes a Do Not Call request directly to LifePoint and will remove these phone numbers from any future lists provided to LifePoint by Agent. These customers will not be contacted by LifePoint after their DNC request.

LifePoint encourages Agent to submit names for calling at the beginning of the service month to ensure calls are made in a timely manner during the service month. The assigned LifePoint Account Manager may remind Agent to send more customer names each month. If an agent requests to retrieve data and notes from customer interactions, LifePoint may provide on a best efforts basis if said data is available and has not yet been purged from LifePoint systems.

RESULTS

Reports outlining the results of calling efforts will be available through the assigned LifePoint Account Manager. LifePoint will provide access to monthly reports for up to six(6) months.

Some call dispositions, such as new appointments or retention alerts will also generate an email or text message. It is the Agent’s responsibility to ensure spam or other filters do not prevent the receipt of emails sent by LifePoint. Agent and LifePoint mutually agree that all aspects of this agreement, including but not limited to performance reports, may be shared with Agent’s Insurance carrier(s).

REACHING CUSTOMER SERVICE

Agent is encouraged to use their assigned Account Manager as their primary point of contact with LifePoint. LifePoint client service can also be reached by sending an email to support@lifepoint.com or by calling 888.708.2642. Office hours are 8AM to 5PM Monday through Friday Central Time, excluding holidays.

OFFERS AND BILLING CREDITS

During the course of service LifePoint may at its discretion offer Agent additional goodwill or promotional credits. As with purchased credits these name, goodwill or billing credits cannot be redeemed for cash and have no cash or monetary value. All goodwill or promotional credits must be used within 60 days of the issue date.

SERVICE HOLD

Agent may choose to suspend calling services for up to three (3) months, which will suspend all calling services for the respective month(s). Every hold month must be followed by a paid month of service. When placing services on hold, Agent agrees to prepay for the month of service following the hold, at the time the hold is requested. No hold requests are accepted for the current calendar month of service. If during the hold period Agent decides to cancel services for future months, then Agent also agrees to forfeit the prepayment. Requests for service holds can be done with an Account Manager or by emailing support@lifepointcalls.com. 

AUTOMATIC RENEWAL ON ALL PACKAGES

Agent agrees that this service contract is month-to-month and will automatically renew each month until the time period of the agreement is completed.

CANCELLATION OF LIFEPOINT SERVICE

Agent has two business days following payment for enrollment to review the Terms and Conditions of this agreement and to cancel. After the two business days, Agent must follow the standard cancellation procedure. To cancel services and billings, Agent is required to make the request in writing by emailing to support@lifepointcalls.com. An Agent may opt to cancel a LifePoint service agreement if during a service period month LifePoint does not provide for the agreed number of scheduled appointments per package enrollment for that calendar month. A scheduled appointment is defined as a customer of the agency contacted by a LifePoint representative where a life insurance review appointment was input on the agent’s calendar or received and acknowledged via email. If a customer of the agent requests a review and specifically states it not to be a life insurance review, it will not be counted toward monthly life appointment count. If Agent wishes to cancel service during any point during an active service agreement wherein LifePoint has produced the requisite guaranteed life reviews for the time period, the agent agrees to pay any balance of time left on the service agreement and is due no refunds. On a case-by-case basis, it may be appropriate and necessary to provide for billing credits toward future services. A District Leader Services (DLS) billing arrangement is treated the same as an agent agreement, however, LifePoint may allow for enrollment of different agents in a DLS agreement under special circumstances at LifePoint's discretion. 

For LifePoint's month-to-month services, all requests to cancel must be made 10 business days prior to the due date of the next bill cycle. If the 10 business day threshold is missed, the agent will pay for service for another month and the cancellation will be processed for the next billing cycle. 

REFUNDS

Agent agrees that monetary refunds are not part of this agreement and will not be issued. Any compensation that should become necessary will be issued as a billing credit toward future services at the discretion of LifePoint.

PAYMENT DECLINES & OUSTANDING INVOICES

If a charge or ACH for service is declined, services to Agent’s account will cease immediately. If payment is not made within 15 days, an additional fee of $100 will be assessed. If an invoice for service remains unpaid and service has begun, an additional fee of $100 will be assessed for every 15 days outstanding. LifePoint reserves the right to sell Agent’s account to a collection agency as bad debt if Agent fails to bring the account current.

CHANGES TO THE TERMS AND CONDITIONS AND PRICING

These terms and conditions are subject to change at any time. LifePoint will notify Agent of revisions to these terms and conditions by posting them on our website under terms. If Agent does not agree with the new terms and conditions, then Agent may cancel the service by following the cancellation portion of this agreement. Agent’s continuation of service or lack of communication to the contrary will serve as acceptance of the new terms and conditions. LifePoint reserves the right to adjust pricing at a time of its choosing, but may not alter an existing service agreement period or pricing. Pricing adjustments will generally go into effect for any subsequent service agreement after a pricing change. LifePoint reserves the right to reduce the enrollment package on an existing subscription based on lack of customer data or existing book of business information.

CONFIDENTIALITY & PRIVACY

CONFIDENTIALITY

  1. The parties expressly acknowledge that during their performance hereunder, they may learn or have access to certain confidential, patent, copyright, business, trade secret, proprietary or other like information or products of the other party or of third parties, including but not limited to the other party’s vendors, consultants, suppliers, or customers (the "Information"). Anything in the agreement to the contrary notwithstanding, the parties expressly agree that they will keep strictly confidential any such Information that they learn. Each party agrees to notify the other in writing if it becomes aware of any use or disclosure of the Information in a manner inconsistent with the requirements of this agreement.
  2. The term "Disclosing Party" shall refer to the party to the agreement providing the Information to the other party, and the term "Receiving Party" shall refer to the party receiving the Information during its performance under the agreement. The term "Information" shall not include products or information that: (i) are in the public domain or in the possession of the Receiving Party without restriction at the time of receipt under the agreement; (ii) are used or released with the prior written approval of the Disclosing Party; (iii) are independently developed by the Receiving Party, or (iv) are ordered to be produced by a court of competent jurisdiction or appropriate regulatory authority, but in such case the

Receiving Party producing the Information agrees to notify the Disclosing Party immediately and cooperate with the Disclosing Party in asserting a confidential or protected status for the Information.

  1. Each party expressly further agrees that it shall return to the Disclosing Party upon the Disclosing Party’s request any such Information and copies thereof.
  2. LifePoint will only use the names, phone numbers and email addresses submitted by Agent to set up appointments for the Agent as specifically described in this agreement. LifePoint will not disclose this customer data to any third parties.
  3. LifePoint will destroy all copies of the names and phone numbers submitted by Agent within 180 days of Agent submitting the name and phone number, except where required by law.

COMPLIANCE

The parties agree to comply with the provisions of the Health Insurance Portability and Accountability Act, if applicable, and any applicable provisions of the Fair Credit Reporting Act and other laws and regulations in connection with the services provided and/or received under this Agreement.