Effective Date: July 31, 2025

Welcome to SilverPoint Insurance Services, a DBA of EverLife Advisors, LLC (“SilverPoint,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website at https://www.silverpointinsurance.com (the “Site”) and any information, tools, products, or services offered through it (collectively, the “Services”).

By using the Site or Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our Site.

1. Use of Our Services

You agree to use the Site and Services only for lawful purposes and in accordance with these Terms. You may not:

• Submit false, misleading, or fraudulent information

• Use the Site in any way that violates applicable law, regulation, or insurance guideline

• Attempt to gain unauthorized access to the Site or its systems

• Interfere with or disrupt the proper functioning of the Site

You must be at least 18 years old (or the legal age of majority in your jurisdiction) to use our Services.

2. No Insurance, Legal, or Medical Advice

All content on this Site is provided for informational purposes only and does not constitute legal, tax, medical, or financial advice.
SilverPoint Insurance Services is an independent insurance brokerage, and our licensed agents may provide guidance about insurance options.

Final decisions regarding any insurance policy should be made after a personal consultation with a licensed agent and review of official plan documents provided by the carrier.

3. CMS and Medicare Disclosures

If you use our Services to explore Medicare Advantage, Medicare Supplement (Medigap), or Prescription Drug Plans (PDPs):

• You are not required to provide any personal health information unless you choose to.

• We only share your information with licensed agents or contracted plan providers.

• All marketing activities comply with Centers for Medicare & Medicaid Services (CMS) regulations, including Scope of Appointment (SOA) and Telephone Consumer Protection Act (TCPA) consent requirements.

• Our agents may not offer every plan available in your area.

• Enrollment decisions should be based on your personal needs, preferences, and official plan documentation.

  
  

Required CMS Disclaimer:
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.”

4. Intellectual Property

All content on this Site, including text, graphics, logos, images, icons, audio/video clips, and code, is the property of SilverPoint Insurance Services (EverLife Advisors, LLC) or its licensors and is protected under U.S. copyright, trademark, and intellectual property laws.

You may not copy, modify, reproduce, distribute, or exploit any content without prior written consent from us.

5. Third-Party Links and Services

Our Site may include links to third-party websites or tools. SilverPoint is not responsible for the content, terms, or privacy practices of those third-party sites. Use of any third-party services is at your own risk.

6. Disclaimer of Warranties

The Site and all related Services are provided on an “as-is” and “as-available” basis. We make no warranties or representations regarding the accuracy, completeness, reliability, or availability of any content or service.

To the fullest extent permitted by law, SilverPoint disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

7. Limitation of Liability

To the maximum extent permitted by applicable law, SilverPoint Insurance Services, EverLife Advisors, LLC, and their officers, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site or Services, including but not limited to:

• Loss of data

• Business interruption

• System errors or unauthorized access

Our total liability shall not exceed $100 or the amount you paid (if any) for Services in the 12 months prior to the claim.

8. User Submissions

If you submit feedback, testimonials, or suggestions, you grant SilverPoint a non-exclusive, royalty-free, worldwide, perpetual license to use, display, and modify such submissions for business or marketing purposes.

9. Termination

We may suspend or terminate your access to the Site or Services at any time, with or without notice, if we believe you have violated these Terms or any applicable laws.

10. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Utah, without regard to its conflict-of-law principles.
Any disputes or legal proceedings arising from these Terms shall be brought exclusively in the state or federal courts of Utah County, Utah.

11. Changes to These Terms

We may update these Terms periodically. Updates will be posted on this page with an updated “Effective Date.” Continued use of our Site after changes are posted constitutes your acceptance of the revised Terms.

12. Contact Us

If you have questions about these Terms or our Services, please contact us at:

SilverPoint Insurance Services
A DBA of EverLife Advisors, LLC
3049 W. Executive Parkway, Suite 300
Lehi, UT 84048
Phone: 385-518-1919
Email: compliance@silverpointinsurance.com