Terms and Conditions

1. Overview

By accessing or using this website, you agree to be bound by these Terms and Conditions. This website is operated by an independent life insurance broker (“we,” “us,” or “our”). The information provided on this site is for general informational purposes only and does not constitute legal, financial, or insurance advice.

2. Insurance Services Disclaimer

We are an independent life insurance broker and are not affiliated with any single insurance company. Coverage options, rates, eligibility, and approval are determined by third-party insurance carriers. All insurance policies are subject to carrier underwriting guidelines, terms, and conditions.

No coverage is bound or guaranteed unless and until a policy is issued by the insurance carrier.

3. No Guarantee of Coverage or Rates

Insurance rates, approvals, and policy availability vary based on individual factors such as age, health, location, and carrier underwriting criteria. We do not guarantee specific pricing, coverage approval, or policy issuance.

4. Communication & SMS Consent

By submitting your contact information through this website, you consent to receive communications related to your insurance inquiry, including phone calls, emails, and SMS messages.

Message frequency varies. Message and data rates may apply. You may opt out of SMS communications at any time by replying STOP. For assistance, reply HELP.

We do not send unsolicited or cold marketing messages.

5. Use of Website

You agree to use this website for lawful purposes only. You may not use this site to submit false information, attempt unauthorized access, or interfere with the website’s operation.

6. Privacy

Your use of this website is also governed by our Privacy Policy. We do not sell, rent, or purchase third-party lead lists. Information you submit is used solely to respond to your inquiry and provide insurance-related services.

7. Third-Party Links

This website may contain links to third-party websites, including insurance carrier platforms. We are not responsible for the content, policies, or practices of third-party sites.

8. Limitation of Liability

We are not liable for any direct, indirect, incidental, or consequential damages resulting from the use of this website or reliance on information provided herein.

9. Changes to Terms

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Continued use of the website constitutes acceptance of any changes.

10. Contact Information

If you have questions about these Terms and Conditions, you may contact us using the information provided on this website.