Terms & Conditions
Effective Date: August 25, 2026
Welcome to Postal Life and Disability Plans.
These Terms & Conditions (“Terms”) govern your use of https://postallifeanddisabilityplans.com/, including its forms, information, communications, and related services.
By accessing or using this website, submitting a form, or using our services, you agree to these Terms.
If you do not agree with these Terms, please do not use the website.
1. About Postal Life and Disability Plans
Postal Life and Disability Plans (“PLDP,” “we,” “us,” or “our”) provides information and assistance relating to life insurance, short-term disability insurance, critical illness coverage, and other insurance products available to eligible postal and federal employees and their families.
Postal Life and Disability Plans is not affiliated with the United States Postal Service or any other government agency.
2. Insurance Information
Information provided on this website is intended for general informational purposes and should not be considered a guarantee of insurance coverage, eligibility, rates, benefits, or approval.
Availability, eligibility, premiums, benefit amounts, exclusions, limitations, waiting periods, and other insurance terms may vary depending on the applicable insurance product and carrier.
Any insurance coverage that is issued is governed by the actual insurance policy, certificate, application, and applicable carrier terms. If information on this website conflicts with an issued insurance policy or carrier documentation, the applicable policy and carrier documentation will control.
Submitting an inquiry, requesting a quote, or completing a website form does not by itself create insurance coverage.
3. Accuracy of Information You Provide
You agree to provide accurate, current, and complete information when requesting insurance information, obtaining a quote, or completing an application.
Providing inaccurate or incomplete information may affect our ability to assist you or may affect eligibility for certain insurance products.
4. Website Use
You agree to use this website only for lawful purposes.
You may not:
Attempt to gain unauthorized access to the website or related systems
Interfere with the operation or security of the website
Use automated tools to scrape or collect information without authorization
Submit fraudulent, misleading, or unlawful information
Use the website in a manner that violates applicable law or the rights of another person
We may restrict or terminate access to the website in cases of misuse or suspected unlawful activity.
5. SMS/Text Messaging Terms
Consent to Receive Messages
When you provide your mobile phone number and affirmatively consent to receive text messages from Postal Life and Disability Plans, you agree that we may send text messages relating to:
Your inquiry
Insurance quotes
Insurance products and services
Application follow-up
Appointment or call scheduling
Customer service
Other communications related to your relationship with Postal Life and Disability Plans
Messages may include informational and promotional communications where you have provided the appropriate consent.
Message Frequency
Message frequency varies depending on your inquiry and interactions with us.
Message and Data Rates
Message and data rates may apply.
Your mobile carrier’s standard messaging and data charges may apply to messages sent or received.
Consent Is Not Required to Purchase
Consent to receive text messages is not a condition of purchasing any product or service.
You may contact us using other available methods if you do not wish to receive text messages.
Opting Out
You may opt out of SMS communications at any time by replying:
STOP
After opting out, you will no longer receive SMS messages from us except for communications permitted by applicable law, such as a confirmation that your opt-out request has been processed.
Other recognized opt-out commands may also be processed by our messaging provider.
Help
For assistance with text messaging, reply:
HELP
You may also contact Postal Life and Disability Plans at:
888-770-1287
Mobile Number Responsibility
You represent that the mobile number you provide belongs to you or that you are authorized to provide the number and consent to communications at that number.
If your mobile number changes or is reassigned, you should notify us or opt out before discontinuing use of that number.
Delivery
Wireless carriers and telecommunications providers are not responsible for delayed or undelivered messages.
Message delivery is subject to your wireless service, carrier availability, network conditions, and other circumstances beyond our control.
Messaging Service Provider
Postal Life and Disability Plans currently uses Textline and related telecommunications providers to facilitate SMS communications.
Your participation in SMS communications is also subject to the practices and requirements of your wireless carrier and applicable telecommunications providers.
For information about how Postal Life and Disability Plans handles your personal and mobile information, please review our Privacy Policy.
6. Telephone and Electronic Communications
When you request that we contact you, we may communicate with you through the contact methods you provide and to which you have appropriately consented, including telephone, email, and text messaging.
You may update your communication preferences by contacting us.
7. Third-Party Insurance Providers and Services
Postal Life and Disability Plans may work with insurance carriers and other third-party service providers in connection with products and services described on this website.
Third-party products and services may be governed by separate contracts, policies, eligibility requirements, privacy policies, and terms.
We are not responsible for the operation of unrelated third-party websites linked from our website.
8. No Professional Advice
Website content is provided for general informational purposes.
Nothing on this website constitutes legal, tax, medical, or financial advice.
You should consult an appropriately qualified professional when you need advice specific to your individual circumstances.
9. Intellectual Property
Unless otherwise indicated, website content, including text, graphics, logos, images, design elements, and other materials, is owned by or licensed to Postal Life and Disability Plans and is protected by applicable intellectual property laws.
You may view and use website materials for your personal, non-commercial use.
You may not reproduce, distribute, modify, republish, sell, or commercially exploit website content without prior authorization unless otherwise permitted by law.
10. Website Availability
We attempt to maintain accurate and accessible website services, but we do not guarantee that the website will always operate without interruption, delays, errors, or security issues.
We may modify, suspend, or discontinue portions of the website at any time.
11. Disclaimer of Warranties
To the extent permitted by law, the website and its content are provided on an “as is” and “as available” basis.
We do not warrant that website information will always be complete, current, error-free, or suitable for every individual’s circumstances.
Nothing in this section limits obligations that cannot legally be excluded.
12. Limitation of Liability
To the fullest extent permitted by applicable law, Postal Life and Disability Plans will not be liable for indirect, incidental, special, consequential, or punitive damages resulting from your use of, or inability to use, this website.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.
13. Privacy
Your use of the website is also subject to our Privacy Policy, which explains how we collect, use, protect, and disclose personal information.
SMS consent and mobile information will not be shared with third parties or affiliates for their marketing or promotional purposes.
14. Changes to These Terms
We may update these Terms from time to time to reflect changes in our services, business practices, or applicable requirements.
Any revised Terms will be posted on this page with an updated effective date.
Your continued use of the website after changes are posted constitutes acceptance of the revised Terms to the extent permitted by applicable law.
15. Contact Us
If you have questions regarding these Terms & Conditions, please contact:
Postal Life and Disability Plans
Website: https://postallifeanddisabilityplans.com/
Phone: 888-770-1287
Text: 314-916-8858
You may also contact us through the Contact page on our website.