Terms and Conditions

Privacy Policy

We take privacy very seriously! Your information is never shared, sold or shown to anyone outside our office.

Our quote request form is encrypted, and that no outside source has access to your personal information when you provide it through the request form. Unlike a vast majority of life and disability insurance sites on the internet, this is not a lead generation system. We are a brick and mortar business.

The only people who will have access to your information are the trusted people at Set For Life Insurance who will run your comparison. We guarantee you that you will not be put on any e-mail lists, your information will not be given to any other company, and that you will not be spammed by our office.

Our office has a specific process of follow-up, and if you decide at any point that you are no longer interested in a disability insurance policy through Set for Life, we will delete and shred your information from our systems immediately. Our office takes privacy matters very seriously.

This is a product where underwriters from the insurance company will review your medical records, and see all the details of your personal health history. When you apply for a policy, you will be required to sign a HIPAA form releasing your medical information from your physician to the company. This information is not shared anywhere else and kept in strict confidence.


This web site is provided as a courtesy and for general information purposes and does not modify the provisions of any policy. The material contained on this website is offered for the purpose of education and information only and is not a substitute for obtaining advice from a legal, tax or other qualified adviser.

Links to other web sites are provided for your convenience and informational purposes only. We make no representations as to the accuracy or completeness of the information contained in the linked sites. We do not promote, sponsor, monitor, endorse or maintain these other web sites and assume no liability for the content to presentation of linked sites.

Policies may vary from state to state.

Terms and Conditions

The materials and information in this site are provided “as is” and without warranties of any kind either expressed or implied. Set for Life Insurance by KF Financial, Inc. disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

Set for Life Insurance does not guarantee that you will be offered a disability or life insurance policy at the conclusion of your application process. Set for Life is not an insurance company but rather acts as a brokerage for multiple companies. Set for Life is not employed by any insurance company nor do they have any incentive or endorsement to write any particular company.

Trademarks, Copyrights and Copyright Notes

Unless otherwise noted, the graphic images, buttons, layout, and text contained in this web site are the exclusive property of Set for Life Insurance and may not be copied or distributed, in whole or in part.

Set for Life, Set for Life Insurance, the phrase “Set for Life Insurance” or any other variations such as “Set 4 Life Insurance” or “Set-for-Life-Insurance” the Set for Life Logo and Life Changes Get Set are each Federally registered Trademarks/Service Marks of KF Financial, Inc.  Unauthorized use of these marks is prohibited by law.

All designs, features, information, content, applications, buttons, services, web page layouts (collectively, the “Site”) and source code comprising the Site are protected by domestic and international laws and treaties, including without limitation, U.S. and International Copyright laws.   Unless otherwise noted, this Site is the exclusive property of KF Financial, Inc. and may not be copied or distributed, in whole or in part.


You agree and understand that we may contact you by telephone, and/or email, to follow up regarding your request for disability or life insurance, or other services, in order to verify information for the purpose of giving you the most accurate quote possible.

When you fill out our quote request form you are explicitly initiating a relationship with us (as defined by the National Do Not Call Registry), inviting and consenting to the receipt of information by Set for Life Insurance (which may be provided to you online, by fax, phone, email, US Mail, etc.) and, as such, are indefinitely waiving any right to claim that we or our affiliates contacted you without your express consent. At any time we will immediately honor any request to be placed on our internal “do not contact” list.

Personal Information

Under Title V of the Gramm-Leach-Bliley Act, consumers have the right to limit the dissemination of nonpublic personal information. Set for Life maintains a strict policy against the dissemination of nonpublic personal information which may be found in the files of its clients and applicants. All Set for Life Insurance employees are trained and aware of the confidentiality of such information. Such nonpublic personal information is routinely provided by consumers to life insurance companies and related individuals including, but not limited to, their agents, wholesalers, and reinsurers, all of whom need this information in order to evaluate their inquiries, provide accurate price quotations, and underwrite their applications for coverage. As such, in order to provide a high level of service to our clients, it is understood that by filling out and submitting a quote request form, or application request form, consumers are granting Set for Life the permission to evaluate this information, and in it’s sole judgment, to share it with insurance companies, their reinsurers, wholesalers, and other related parties (including the applicant) as necessary for the purpose of shopping for, evaluating, making recommendations regarding, and/or underwriting any proposed or existing disability or life insurance coverage. Such nonpublic personal information is not used for any other purpose.

The underwriting (risk assessment) will not begin until after the completed signed application is received by the insurance company.

In conjunction with any formal application for insurance, except as may be provided in a properly-executed Conditional Receipt, no coverage is in force until the insured has received the issued policy, paid the premium and completed any other policy delivery requirements that might be required by the insurance company. If there is any question, concern or ambiguity regarding this issue, please refer to the language on the insurance company’s application form.

Licenses and Insurance Policy Availability

Set for Life Insurance brokers are licensed in all 50 states of the United States of America.  Set for Life does not conduct business outside of the United States of America.

Set for Life Insurance advises all proposed insureds NOT to cancel any existing coverage UNTIL they have received their new policy from the issuing company and found it to be satisfactory.

Even if you are applying for coverage to replace an existing policy, NEVER cancel the existing coverage until the new policy is approved, in force, delivered and paid for.

Are you ready? Get set - for life!

We’re here to help

Getting the right disability insurance can be downright confusing. At Set For Life, we’ll help you understand the options and work with you to select just the right product for you and your family. These articles will help you understand some of the complexities involved, but we’re happy to walk you through it! If you’re ready to get set, reach out for a quote today!