Terms of Service

By accessing or using the CICAdvocate.com website (the “Site”), operated by Center for Life Insurance Disputes (“we,” “us,” or “our”), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Site.

We are insurance claim advocates, not attorneys and not a law firm. Using our services does not create an attorney-client relationship.

We do not provide legal advice, medical advice, or financial advice. We negotiate directly with insurance companies using industry expertise and insider knowledge of insurer practices.

If your situation requires legal representation, we will advise you to seek an attorney. Expert witness services are separate from claim advocacy and subject to separate engagement terms.

Past results do not guarantee future outcomes. “$250M+ recovered” is a cumulative historical figure, not a prediction for any individual case. Case results on the website are anonymized representative examples.

Every claim depends on unique factors including policy language, medical evidence, insurer practices, and applicable law. We may decline a case after initial review if we determine advocacy is unlikely to succeed. Some claims cannot be recovered regardless of advocacy efforts.

Our standard contingency fee is 10% of amounts recovered. “Recovery” means the total insurance benefit proceeds obtained through our advocacy. Fees apply only when we successfully recover funds on your behalf.

If we do not recover additional funds beyond what has already been offered, you owe nothing. Specific fee terms are governed by the written Client Services Agreement signed before work begins. The written agreement supersedes any general statements on this website.

Attorney fee comparisons (33–40%) referenced on the Site are general industry ranges and may vary by jurisdiction and case.

Submitting a form or contacting us does not create a client relationship. A client relationship begins only when both parties execute a written Client Services Agreement.

We reserve the right to decline representation at our discretion. We reserve the right to terminate a client relationship with reasonable notice.

If you engage our services, you agree to:

• Provide accurate and complete information
• Disclose all relevant facts, documents, and communications with your insurer
• Respond to our communications in a timely manner
• Not sign documents or accept offers from your insurer without consulting us first (once engaged)
• Notify us immediately of any direct contact from your insurer

We treat all client information as confidential. Medical records, financial data, and personal information are handled with care. We share information only as necessary to advocate on your behalf (e.g., communicating with your insurer).

Our data handling practices are described in our Privacy Policy. We are not a HIPAA-covered entity, but we apply reasonable safeguards to medical information.

Resolution timelines vary based on claim complexity, insurer responsiveness, and case facts. Published average timelines are historical averages, not guarantees for any individual case.

Some cases resolve in weeks; others may require months of negotiation. Cases requiring litigation referral may take significantly longer and are outside our direct control.

Our total liability to you is limited to the fees actually paid by you for our services. We are not liable for:

• Insurer decisions, delays, or actions
• Outcomes of legal proceedings
• Lost benefits due to policy exclusions, lapses, or pre-existing conditions
• Indirect, incidental, consequential, or punitive damages

We do not guarantee any specific recovery amount, timeline, or outcome. We are not responsible for information provided by you that is inaccurate or incomplete.

Any dispute arising from these terms or our services shall be resolved through binding arbitration administered under JAMS rules in Sacramento County, California. Each party bears its own costs; arbitrator fees are split equally.

Class action waiver: disputes must be brought individually, not as part of a class or representative action. Either party may bring claims within small claims court jurisdiction as an exception to arbitration.

Content on this Site is for informational purposes only and does not constitute insurance advice, legal advice, medical advice, or financial advice. We make reasonable efforts to keep information accurate but do not warrant its completeness or currency.

Case studies, statistics, and recovery figures are historical and representative. They should not be relied upon as predictions for any individual case.

All content on this Site — including text, graphics, logos, and design — is the property of Center for Life Insurance Disputes and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written permission.

These Terms are governed by the laws of the State of California. For any matters not subject to arbitration, the exclusive jurisdiction shall be the state and federal courts located in Sacramento County, California.

We may update these Terms of Service from time to time. Changes will be reflected in the “Last Updated” date at the top of this page. Continued use of the Site after changes are posted constitutes your acceptance of the revised terms.

If you have questions about these Terms of Service, contact us: