Cove
DRAFT — pending attorney review. Final language will be added before public launch.

Terms of Use

Last updated: May 27, 2026

1. Acceptance of terms

By accessing or using trycove.co, you agree to these Terms of Use. If you don’t agree, please don’t use the site.

2. What Cove is

Cove is a consumer credit platform for permanent life insurance policy owners. Our Phase 1 product is collateralized by whole life cash value; Phase 2 extends to universal life and indexed universal life through a sponsor bank. Information on the site is illustrative until you submit your specific carrier and policy details.

3. Eligibility

  • You are 18 or older.
  • You are a US resident (state licenses pending).
  • You own a permanent life insurance policy (whole life, UL, IUL, or VUL) with sufficient cash value.

4. The PolicyExplorer and illustrative information

The PolicyExplorer and all rate examples are illustrative. They use typical-range numbers and do not constitute a loan offer. Your actual rate depends on your carrier, policy type, cash value, and other factors verified during the inquiry process.

5. Submitting your information

Submitting the rate inquiry form starts a conversation. It is not a binding loan agreement, and submitting it does not obligate you or Cove to anything.

6. Intellectual property

trycove.co content, including the blog, is © Cove. Short excerpts with attribution are fine; wholesale republication is not.

7. Third-party services

We rely on third-party providers — including Tally (forms), Vercel (hosting), Sanity (content), and Plausible (analytics) — each operating under its own terms and privacy practices. We are not responsible for their services.

8. Disclaimers

The site and its information are provided “as is”, without warranties of any kind. Nothing on the site is insurance, legal, or tax advice. We make no guarantee that any rate, estimate, or outcome shown will apply to your situation.

9. Limitation of liability

[Placeholder for counsel. Standard limitation-of-liability language to be finalized before launch.]

10. Governing law

[Placeholder for counsel. Governing law and venue to be finalized before launch.]

11. Changes to these terms

We may update these terms from time to time. Continued use of the site after an update constitutes acceptance of the revised terms.

12. Contact

Questions about these terms: hello@trycove.co.