The Policygenius Refer-a-Friend Program (the "Program") enables participants living in eligible states to earn Rewards by recommending Policygenius to friends or family who are potentially interested in purchasing insurance. To participate, you must agree to these Policygenius Refer-a-Friend Program Terms & Conditions (the "T&C"), as well as Policygenius’ Terms of Use and Privacy Policy.

As used in these Terms and Conditions of Use, the following terms have the following meanings:

Qualified Life Referral - The referral of an individual who submits an application for life insurance with Policygenius and completes underwriting with an insurer.

Reward - A $100 Gift Card sent via email within 5 business days of Policygenius receiving a Qualified Life Referral.

Overview of the Program
Policygenius will provide you with a unique Refer-a-Friend Program Link (your “Link”) so that Policygenius can associate you with individuals you refer.

By taking part in the Program, you agree not to:
●use automated systems or bots to distribute your referral link;
●pay to advertise your referral link;
●provide false information in an insurance application or sign an insurance application without a legitimate interest in applying for such insurance;
●encourage any person or persons to provide false information in an insurance application or sign an insurance application without a legitimate interest in applying for such insurance;
●promote the Refer-a-Friend program as a money-making scheme, including but not limited to by posting about it in any online forum or group related to making money online or rewards programs;
●engage in any activity that may be considered fraudulent, invasive, or spamming;
●represent that you are an agent or representative of Policygenius; or
●discuss specific insurance terms or conditions or otherwise engage in the sale, solicitation, or negotiation of insurance.

You must have created an account with Policygenius to participate. You may only participate in the Program if you are 24 years old or older and a legal resident of a Participating State. Directors, officers, and employees of Policygenius and its affiliates (including affiliated companies, agents, representatives, licensees, and advertising or promotional agencies) and their immediate family members are ineligible to participate in the Program. The Program is subject to all applicable federal, state and local laws and regulations and is void where prohibited or restricted by law.

Qualified Referral
Qualified Life Referrals are limited to individuals who are not current Policygenius customers, are 24 years old or older, and are legal residents of the United States.
Any fraudulent referrals (for example, using a different phone number or email address for the same person or intentional submission of false information) will be voided.

A referred individual may only use one referral link. Only the owner of the referral link used by the referred individual to submit an application for life insurance will receive a Reward.

This Program may not be combined with other referral programs or incentives.

Participating States
This Program is only available to participants in the following states: Alabama; Arizona; Arkansas; California; Colorado; Connecticut; District of Columbia; Florida; Georgia; Hawaii; Idaho; Illinois; Indiana; Kansas, Kentucky; Maine; Maryland; Minnesota; Missouri; Montana; Nebraska; Nevada; New Jersey; New York; North Carolina; North Dakota; Ohio; Oklahoma; Oregon; Rhode Island; South Carolina; South Dakota; Texas; Utah; Vermont; Washington, Wisconsin; and Wyoming.

In a twelve-month period, individuals will not be eligible to receive more than three Rewards for Life referrals ($300). No purchase by you or the referred individual is necessary to participate in the Program.
You will be notified via email when you have earned a Reward and will be required to claim your Reward via the link in the email. Rewards are administered by a third party. You consent to sharing your personal information with that third party for the purposes of administering the Program.
Rewards will be in the form of an eGift Card from Restrictions, conditions, and limitations may apply.
Policygenius will not replace any lost or stolen eGift Cards.
Policygenius may combine multiple Rewards as a single eGift Card at its discretion.

Taxes and Fees
You are responsible for all applicable taxes and fees resulting from any Reward you receive under the Program.

Release of Liability
By participating in the Program, you release Policygenius and its agents from all liability, including, without limitation, all liability with respect to any and all Rewards.

If any provision in these T&C are held to be invalid, void, or unenforceable, such provision (or the part of it that is making it invalid, void, or unenforceable) will be struck and will not affect the validity and enforceability of the remaining provisions.

Termination and Change
Policygenius may suspend or terminate the Program or a user's ability to participate in the Program at any time for any reason without prior notice.

Policygenius reserves the right to deny any Rewards if it notices any activity that it believes is abusive, fraudulent, or contrary to the spirit of the Refer-a-Friend program (including where it appears in Policygenius’ sole determination that the Refer-a-Friend program is being used as a money-making scheme or insurance applications are being submitted solely to generate rewards).

Policygenius reserves the right to review and investigate all referral activities and to modify referrals as it deems fair and appropriate.

Updates to these T&C
Policygenius can update these T&C, including but not limited to the eligibility requirements, Participating States, and Reward amounts, at any time for any reason without prior notice. Such modification is effective upon posting of the modified T&C on the Policygenius website. Continued participation in the Program after any modification shall constitute consent to such modification.

Contact Us
If you have any questions about the Program, Policygenius can be reached at REFERRALS@POLICYGENIUS.COM.