Insurance Disclosures

Licensed professional contact

If you submit a business coverage request and consent to partner contact, an eligible licensed insurance agent, broker, producer or other licensed representative may contact you when a match is available. Joining the personal AI insurance waitlist alone is not a business referral request.

No application or binder

The public form on this website is not an insurance application. Completing or submitting it does not bind coverage, create an insurance contract, change an existing policy or guarantee a quote.

No recommendation by the marketplace

General descriptions of AI liability, cyber, technology errors and omissions, professional liability or other insurance categories are educational only. The marketplace does not currently recommend a specific policy, insurer, limit, deductible or coverage term.

Administrative matching and quality controls

LunarQuote may use automated rules to prevent duplicate or abusive submissions, prioritize complete marketplace requests, and choose among otherwise eligible licensed partners based on stated territory, appetite, delivery settings, service history and marketplace performance. Those administrative marketplace rules are not insurance underwriting, do not determine whether an applicant is insurable, and do not replace any carrier or licensed producer decision.

Lunar AI Protection waitlist

Lunar AI Protection is LunarQuote’s planned personal AI insurance product for individuals and families. It is still in development; no consumer policy or coverage is available through the free waitlist. A target starting price around $4/month is not a quote or guarantee. Final insurer, coverage, limits, exclusions, eligibility, state availability, pricing and timing have not been established.

Availability varies

Insurance availability, eligibility, pricing, policy form, limits, exclusions and insurer appetite vary by state, applicant, industry, AI use and underwriting information. Not every insurer or product is available in every jurisdiction.

Policy language controls

Only the actual insurance policy, endorsements, declarations, binder and other issued documents determine coverage. Website descriptions cannot expand, modify or replace policy language.

AI Policy Scanner

The AI Policy Scanner is an automated educational document-review tool. It may surface policy wording, exclusions, limitations, silence or other language for discussion with a licensed insurance professional, but it does not determine whether a claim is covered, interpret a policy with legal authority, recommend a specific insurance product, replace a full policy review, or bind coverage. Automated findings may be incomplete or incorrect. The complete policy, endorsements, facts, applicable law and insurer interpretation control.

Carrier and partner references

Unless a relationship is expressly identified on this website, mention of an insurer, MGA, broker or insurance product does not mean that the marketplace is appointed by, affiliated with, endorsed by or authorized to represent that organization.

Compensation

Approved partners receive matched leads at no charge during free early access; there is no current per-lead charge or monthly platform fee. Any future paid technology, platform or lead-delivery terms would require separate notice and the applicable signed Commercial Schedule before charges begin. LunarQuote’s contemplated model is not a percentage of insurance premium and is not conditioned on whether a referred customer ultimately purchases or binds a policy. LunarQuote does not receive authority under that fee arrangement to sell, solicit, negotiate, recommend, underwrite or bind insurance. Any materially different compensation or distribution arrangement requires separate written terms and appropriate licensing and legal review.

Partner contracting

Approval to join the marketplace does not itself activate commercial lead routing. Before a partner receives marketplace leads, the partner must electronically sign the current Partner Marketplace Agreement and the Commercial Schedule applicable to that partner, even when the early-access lead price is zero. LunarQuote retains an electronic audit record of that signature and requires a new signature after material commercial changes.

Jurisdiction

The Service is currently being developed from Texas. Insurance activity involving other states may require additional licenses, appointments, disclosures or partner arrangements before a transaction can occur.

Legal review

These disclosures are designed as a conservative launch framework and may be revised as licensed partners, counsel and regulators require.