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 website is for general informational purposes only and does not constitute legal, financial, or insurance advice.

You must be at least 18 years of age to use this website or submit any information.

2. Insurance Services Disclaimer

We are an independent life insurance broker and are not affiliated with any single insurance company. Insurance products are offered through third-party insurance carriers. Coverage options, rates, eligibility, and policy terms are determined solely by the issuing insurance carrier.

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

3. No Guarantee of Coverage or Rates

Insurance approvals, pricing, and availability depend on individual factors including age, health, lifestyle, location, and carrier underwriting guidelines. We make no guarantees regarding policy approval, rates, or coverage availability.

4. Communications & SMS Consent

By submitting your contact information through this website, you expressly consent to receive communications from us related to your inquiry, including phone calls, emails, and SMS/text messages. Messages may be sent using automated technology.

Message frequency varies

Message and data rates may apply

You may opt out at any time by replying STOP

For assistance, reply HELP

We do not send unsolicited messages or use purchased or third-party lead lists.

5. Mobile Carrier Liability Disclaimer

Mobile carriers are not responsible for delayed, undelivered, or misdirected messages. SMS delivery is subject to effective transmission by your mobile carrier and is not guaranteed.

Mobile carriers are not liable for any damages arising from the use of SMS messaging, including message delays, failures, or errors.

6. Age Restriction (18+)

This website and our services are intended only for individuals 18 years of age or older. We do not knowingly collect personal information from individuals under the age of 18. If you are under 18, you may not submit information through this website.

7. Use of Website

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

8. Privacy

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

9. Third-Party Links

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

10. Limitation of Liability

To the fullest extent permitted by law, we disclaim all liability for any direct, indirect, incidental, or consequential damages arising from the use of this website or reliance on any information provided.

11. Changes to Terms

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

12. Contact Information

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