Disclosures
Last updated: April 2026
Educational Platform Disclosure
Covian is an educational platform. We do not sell insurance, act as a broker, or provide personalized financial advice. The information presented through our platform is intended solely for general educational purposes to help consumers better understand life insurance concepts, terminology, and options.
AI Technology Disclosure
Our guided process uses artificial intelligence to provide general insurance education. It is not a substitute for professional advice from a licensed insurance advisor. While our AI strives for accuracy, the information provided should be verified with a qualified professional before making any insurance or financial decisions.
Not a Quote
Coverage estimates and cost ranges shown on this platform are for educational purposes only. They are not insurance quotes, binding offers, or guarantees of coverage or pricing. Actual premiums and coverage terms are determined by insurance carriers based on a full underwriting process, which may include health evaluations and other factors not assessed by our platform.
Licensed Advisor Referrals
When you choose to connect with an advisor through Covian, you will be connected with an independently licensed insurance professional. Covian may receive compensation for these referrals. The advisor you are connected with is not an employee or representative of Covian and is solely responsible for any advice, recommendations, or products they offer.
Data and Privacy
We take your privacy seriously. Information you share during your educational session is handled in accordance with our Privacy Policy, which describes in detail how we collect, use, and protect your personal information. We do not sell your data to lead aggregators or third parties.
Regulatory Note
Covian is not regulated as an insurance company, agency, or brokerage. Our educational services are not subject to state insurance department licensing requirements. Nothing on this platform should be construed as an offer to sell or solicitation of an offer to buy any insurance product.
Contact
If you have questions about these disclosures, contact us at: disclosures@covian.io