Terms of Service
Effective date: October 13, 2026.
These terms govern your use of bluecollarworkerscovered.com and its pages and forms. Blue Collar Workers Covered (bluecollarworkerscovered.com) is a marketing brand operated by Innovative Accelerator LLC ("we", "us"), working with the Ascend Life Wealth network of independent licensed insurance agents. By using the site you agree to these terms and to our Privacy Policy.
What we are, and what we are not
We are not an insurance company and not a licensed insurance agency, and we do not sell, solicit or issue insurance policies. We connect people with independent licensed insurance agents, who provide all quotes, advice and coverage. Submitting your answers does not create a client relationship, is not an application for insurance, and does not obligate you to buy anything.
Information on this site
Everything on this site is general educational information, not investment, tax or legal advice. Products, riders and availability vary by state, carrier, age and health class, and all coverage is subject to underwriting. Indexed universal life cash value grows tax-advantaged; index crediting is subject to caps and participation rates, and a 0% floor applies to the index credit, not to your cash value, because policy charges still apply. Policy loans and withdrawals reduce the death benefit and may have tax consequences if the policy lapses. Not available in New York.
Your submissions
You agree that the information you give us is true, that it is about you, and that the phone number is yours. By submitting it you agree to be contacted as described in our Privacy Policy. You can withdraw that consent at any time.
Acceptable use
Do not submit information about someone else without their permission, interfere with the site, or use it for any unlawful purpose.
Disclaimers and limits
The site is provided as is. To the extent the law allows, we are not liable for indirect or consequential damages arising from your use of the site. Nothing here limits rights you have under insurance law.
Changes and contact
We may update these terms; the effective date above shows the latest version. Questions: Innovative Accelerator LLC d/b/a Blue Collar Workers Covered, [email protected].