Terms of Use

Last updated 3 November 2026

By using Learn Insurance Fast you agree to these terms. If you got the app from the App Store, Apple's standard end user license agreement also applies.

What the app is

The app helps people study for the Philippine Traditional Life and Variable Life agent licensing exams and practise client conversations. It's independent study material. It is not affiliated with or endorsed by the Insurance Commission or any insurer.

No guarantee of passing

Practice questions are written for study and are not past exam questions. Mock scores are for practice and don't predict your result. We check the content, but rules change and mistakes can happen, so confirm current rules with the Insurance Commission and your insurer.

Not advice

Nothing in the app is legal, financial or insurance advice. Follow your insurer's training and compliance rules when you deal with real clients.

AI role-play

Clients in role-plays are invented and played by AI. Their replies, scores and suggested lines can be wrong. Don't reuse a suggested line with a real client without checking it against your insurer's rules. Don't enter real client details.

Coach subscription

Lessons and exam practice are free. Your first role-play is free. More role-plays need the coach subscription, which includes up to 30 role-plays a calendar month. Unused role-plays don't carry over.

The subscription renews every month at the price shown in the app until you cancel. Apple or Google charges your store account. Cancel in your store settings at least 24 hours before the renewal date. Refunds are handled by Apple or Google under their rules.

Fair use

Don't attack, overload or reverse-engineer the service, or use it to get AI output unrelated to the role-plays. We may limit or stop access if you do.

Our content

The app and its content belong to On-Off Group. You may use them for your own study. You may not copy or resell them.

Liability

The app is provided as it is. To the extent the law allows, we aren't liable for indirect losses, including a failed exam or lost business. Nothing here limits rights you have under Philippine consumer law.

Changes

We may update these terms and the app. If a change is significant, we'll say so in the app or on this page.

Governing law

These terms are governed by the laws of the Philippines.

Contact

On-Off Group, Philip Smithson, philip@onoffgroup.com