These Terms & Conditions govern your use of the Loyalty Life website, operated by Loyalty Life Agency LLC. By using the website or submitting a quote request, you agree to these terms. If you do not agree, please do not use the website.
Using this website
This website is intended for adults age 18 or older seeking information about life insurance. Use it lawfully and provide accurate information. You may not impersonate another person, submit information without authority, interfere with site security, upload malicious content, or use automated tools to abuse the quote form.
Our role and website information
Loyalty Life Agency LLC is a life insurance agency. Policies are issued and underwritten by insurers. General educational content on this website does not replace policy documents, an individual coverage review, or legal, tax, or financial advice.
Product availability depends on state requirements, insurer rules, and applicable agency and agent authorization. An agent must confirm that we can assist in your state before proceeding. Website descriptions are summaries; the insurer’s policy, exclusions, conditions, and other documents control actual coverage.
Quote requests and coverage
Submitting the form asks us to contact you about life insurance. It does not bind coverage, complete an insurance application, create a policy, or confirm that any product or rate is available to you.
Coverage, approval, premiums, benefits, and application or medical requirements are determined by the insurer. Coverage begins only when the insurer’s conditions have been satisfied. Do not cancel existing coverage based on a website quote request.
Provide contact information that belongs to you or that you are authorized to use. We may follow up by email or by phone if you provide a number. The separate, optional SMS checkbox controls text message consent.
SMS terms
The Loyalty Life Agency LLC SMS program provides quote-related follow-up, customer care, scheduling, reminders, and related communications about your life insurance request. You enroll by entering your mobile number and selecting the optional, unchecked SMS consent checkbox on our quote form. Messages may be sent using automated technology. This form does not enroll you in promotional texts.
Message frequency varies. Message and data rates may apply. SMS consent is not a condition of purchase. You may request a quote and purchase insurance without agreeing to receive text messages.
Reply STOP to any program message to opt out. You may receive a final message confirming your opt-out, after which no further program messages will be sent unless you opt in again. Reply HELP for help, or call (305) 407-7493. Notify us if you change or give up your mobile number. You must be authorized to consent for the number you provide.
Delivery depends on your mobile carrier and network availability. Carriers are not liable for delayed or undelivered messages. Our Privacy Policy explains how we use and protect mobile information and consent records.
Third-party services
Insurers and other service providers operate under their own terms and privacy notices. We do not control their websites, underwriting decisions, or policy obligations. A reference to an insurance category does not establish availability of a particular insurer or product.
Intellectual property
The Loyalty Life name, branding, website content, and design belong to their respective owners. You may view and use the website for personal, lawful purposes. You may not reproduce or exploit protected content commercially without permission from the relevant rights holder.
Website availability and disclaimers
We aim to provide useful, accurate information but do not warrant that the site will always be complete, current, uninterrupted, or error-free. To the extent permitted by applicable law, the website is provided on an “as is” and “as available” basis. These website disclaimers do not change any insurer’s obligations under an issued policy.
Limitations of liability
To the extent permitted by applicable law, Loyalty Life Agency LLC is not liable for indirect, incidental, special, or consequential losses resulting from use of, or inability to use, this website. Nothing in these terms excludes liability that cannot lawfully be excluded or limits nonwaivable consumer rights.
Applicable law and your rights
Applicable United States federal law and applicable state law govern the use of this website. These terms do not select an exclusive state, court, or venue, require arbitration, or waive rights you have under applicable insurance or consumer protection laws.
Changes to these terms
We may update these terms by publishing a revised version and updating the date above. Changes apply prospectively. Where law requires additional notice or consent, we will provide it.
Contact and privacy
For website or SMS support, contact Loyalty Life Agency LLC at (305) 407-7493. Read our Privacy Policy for details about information handling and SMS consent.