Terms of Service

1. Acceptance of Terms

Welcome to Legacy Life & Annuities, LLC ("Company," "we," "our," or "us"). By accessing or using our website, services, or requesting quotes or information about insurance products, you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, please do not use our services. We reserve the right to modify these Terms at any time, and your continued use of our services constitutes acceptance of any changes.

2. Services Description

Legacy Life & Annuities, LLC is a licensed insurance agency operating in all 50 states. We provide:

• Life insurance quotes and policy sales
• Annuity products and retirement planning services
• Insurance consulting and advisory services
• Information and educational resources about insurance products

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Reside in a state where we are licensed to operate
• Provide accurate, current, and complete information as requested

4. Quote Requests and Applications

Quote Accuracy

Quotes provided through our website are estimates based on the information you provide. Final premiums may vary based on:

• Complete underwriting review and medical examination results
• Verification of information provided
• Insurance carrier underwriting guidelines
• Current market rates and product availability

Application Process

Submitting a quote request or application does not guarantee approval or acceptance of coverage. All applications are subject to underwriting approval by the insurance carrier.

You agree to provide truthful, accurate, and complete information in all applications and communications. Misrepresentation or fraud may result in denial of coverage, cancellation of policies, or legal action.

5. Agency Relationship and Commissions

Legacy Life & Annuities, LLC acts as an independent insurance agency. We represent multiple insurance carriers and receive commissions from insurance companies when policies are sold.

While we strive to present you with competitive options, our recommendations may be influenced by commission structures and carrier relationships. We are committed to acting in your best interest and complying with all applicable insurance regulations.

6. No Medical or Financial Advice

The information provided on our website and by our agents is for general informational purposes only and should not be considered:

• Medical advice or diagnosis
• Legal advice
• Tax advice
• Comprehensive financial planning advice

You should consult with qualified professionals (doctors, attorneys, CPAs, financial advisors) before making decisions based on our information.

7. User Conduct and Prohibited Activities

You agree not to:

• Provide false, inaccurate, or misleading information
• Use our services for any unlawful or fraudulent purpose
• Attempt to gain unauthorized access to our systems or data
• Interfere with or disrupt the operation of our website or services
• Use automated systems (bots, scrapers) to access our website
• Impersonate any person or entity
• Harass, abuse, or harm our employees or agents
• Violate any applicable laws, regulations, or third-party rights

8. Intellectual Property

All content on our website, including text, graphics, logos, images, videos, and software, is the property of Legacy Life & Annuities, LLC or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit any content without our prior written permission.

9. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of accuracy, reliability, or completeness
• Warranties of uninterrupted or error-free service
• Warranties that defects will be corrected

We do not warrant that our website will be available at all times or that it will be free from viruses or other harmful components.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LEGACY LIFE & ANNUITIES, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your use or inability to use our services
• Damages resulting from third-party conduct or content
• Damages related to insurance carrier decisions

Our total liability to you for any claim arising from these Terms or your use of our services shall not exceed $100.

11. Indemnification

You agree to indemnify, defend, and hold harmless Legacy Life & Annuities, LLC and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your violation of these Terms, your use of our services, or your violation of any third-party rights.

12. Communications and Consent

By providing your contact information, you consent to receive communications from us via:

• Email
• Phone calls (including automated or pre-recorded calls)
• Text messages (SMS)
• Mail

You may opt out of marketing communications at any time by following unsubscribe instructions or contacting us directly. However, we may still send you transactional or service-related communications.

13. Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without cause or notice, if we believe you have violated these Terms or engaged in fraudulent or unlawful conduct.

14. Dispute Resolution and Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16. Contact Information

If you have questions about these Terms of Service, please contact us at:

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Legacy Life & Annuities, LLC regarding your use of our services and supersede all prior agreements and understandings.